Fixed Rate Jumbo Home Loans $806,501 and Over

 30 Year Fixed (Jumbo)            6.250% Rate     0 Points     6.306% APR     360 Payments    $6,926.82   Payment    

 20 Year Fixed (Jumbo)            5.750% Rate     0 Points     5.818% APR     240 Payments    $7,898.44  Payment

 15-Year Fixed (Jumbo)            5.500% Rate     0 Points     5.550% APR     180 Payments    $9,192.19  Payment

 10 Year Fixed (Jumbo)            5.250% Rate     0 Points     5.318% APR     120 Payments    $12,070.32 Payment                         

ARM Rate Conforming Home Loans $50,000 to $806,500

15/15 ARM (Conforming)           6.000% Rate    0 Points    6.191% APR     360 Payments 

10/10/10 ARM (Conforming)     5.875% Rate    0 Points    5.897% APR     360 Payments

 5/5 ARM (Conforming)              5.625% Rate    0 Points    5.631% APR     360 Payments

APR=Annual Percentage Rate. APR shown is based on $200,000 loan amount, owner occupied, 80% loan-to-value, CA properties only. Max loan amount is $806,500. 

15/15 arm is fixed for the first 15 years, then adjusts and fixed for the next 15 years after. Based on 10-year CMT +1.00% margin. Adjustment cap 6%; floor rate 1.00%. Payment example: the first 180 payments of $6.08 per $1,000 borrowed.

10/10/10 is fixed for the first 10 years, subject to change every 10 years thereafter. Based on 10-year CMT + 1.5% margin. Adjustment cap 3%; floor rate 1.00%. Payment example: the first 120 payments of $6.00 per $1,000 borrowed.

5/5 ARM is fixed for the first five years, subject to change every five years thereafter. Based on the 1-year CMT + 2.25% margin. Adjustment cap 2%; floor rate 2.25%. Payment example: the first 60 payments of $5.76 per $1,000 borrowed.

ARM Rate Jumbo Home Loans $806,501 and Over

15/15 ARM (Jumbo)                 6.000% Rate    0 Points    6.098% APR     360 Payments

10/10/10 ARM (Jumbo)           5.875% Rate    0 Points    6.303% APR     360 Payments

5/5 ARM     (Jumbo)                 5.625% Rate    0 Points    6.207% APR     360 Payments                                                 

 APR=Annual Percentage Rate. APR shown is based on $1,125,000 loan amount, owner occupied, 80% loan-to-value, CA properties only. 

15/15 arm is fixed for the first 15 years, then adjusts and fixed for the next 15 years after. Based on 10-year CMT +1.00% margin. Adjustment cap 6%; floor rate 1.00%. Payment example: the first 180 payments of $6.08 per $1,000 borrowed.

10/10/10 is fixed for the first 10 years, subject to change every 10 years thereafter. Based on 10-year CMT + 1.5% margin. Adjustment cap 3%; floor rate 1.00%. Payment example: the first 120 payments of $6.00 per $1,000 borrowed.

5/5 ARM is fixed for the first five years, subject to change every five years thereafter. Based on the 1-year CMT + 2.25% margin. Adjustment cap 2%; floor rate 2.25%. Payment example: the first 60 payments of $5.76 per $1,000 borrowed.                                    

Home Equity Line of Credit (HELOC)

• 4.75% APR for 6 months, then As Low as 7.00% up to 80% LTV (Prime + 0%)

• As Low as 8.25% APR up to 90% LTV (Prime + 1.25%)

• As Low as 8.50% ARP up to 100% LTV (Prime + 1.50%)

APR is variable and based on Prime Rate as published in The Wall Street Journal on the last day of the previous month (currently 7.00%) + margin.  Lowest margin for 80% LTV is 0%, for 80.01-90% LTV is 1.25%, for 90.01-100% is 1.50%.  Your actual rate may vary based on your credit history and CLTV. Minimum APR 3.99%. Maximum APR 15%. 20-year draw/repayment period with no annual fee. $499 opening fee for 2nd trust deeds or $799 for 1st trust deeds waived if $5,000 initial advance is taken and the account remains open for 3 years, plus recording and notary fees. Certain restrictions apply. Appraisal fee may be required. Owner-occupied, CA properties only. $250,000 maximum loan amount. Not available for purchases. Payment example: 6 monthly payments of approximately $6.40 for each $1,000 borrowed, followed by 234 monthly payments of approximately $7.90 for each $1,000 borrowed. If only minimum payments are made, a balloon payment will result.  Promotional rate is only available on HELOCs up to 80% LTV.

15 Year Fixed 

•  As Low as 7.250% APR up to 80% LTV

• As Low as 8.500% APR up to 90% LTV

• As Low as 8.750% APR up to 100% LTV

Your actual rate may vary based on your credit history and CLTV. Minimum loan amount $10,000; maximum loan amount $250,000. $499 opening fee for 2nd trust deeds (waived if loan remains open for 3 years), plus recording fees. Certain restrictions apply. Appraisal fee may be required. Owner-occupied, CA properties only. Payment example: 180 monthly payments of $9.13 per $1,000 borrowed. 

Non-Owner Occupied Home Loan

10 Year Fixed (conforming)                    6.250% Rate     0 Points  6.548% APR

Non-owner occupied properties in California only. Maximum LTV 70%. Payment example: 120 payments of approximately $11.23 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher.

15 Year Fixed (conforming)                    6.375% Rate     0 Points  6.589% APR

Non-owner occupied properties in California only. Maximum LTV 70%. Payment example: 180 payments of approximately $8.64 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher.

15 Year Fixed Second                                As low as 8.750% APR

Non-owner occupied properties in California only. Maximum LTV 70%. Payment example: 180 payments of approximately $8.23 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher.