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Home Purchase
Fixed-Rate Programs

15-Year Fixed Rate

Our 15-year fixed-rate mortgage loan is designed for homeowners seeking a low interest rate and the fastest way to build equity. While the monthly payments are higher, you'll receive a lower interest rate than with a longer-term loan.

Features
  • Finance up to 90% of the purchase price for primary residence homes (detached) and condominiums
  • Low fees
  • Free 45-day rate lock
  • No prepayment penalty
15-Year Fixed (Conforming)
(Maximum Loan: $417,000)
Rate Points APR Est. Pymt./$1,000
5.250 -0.625 5.29% $8.04
5.125 -0.125 5.24% $7.97
5.000 0.750 5.25% $7.91
4.875 1.500 5.24% $7.84
4.750 2.375 5.25% $7.78
4.625 3.250 5.26% $7.71
4.500 3.250 5.13% $7.65

15-Year Fixed (Jumbo)
(Maximum Loan: $1,500,000)
Rate Points APR Est. Pymt./$1,000
7.875 -0.625 7.96% $9.48
7.750 -0.125 7.91% $9.41
7.625 0.750 7.93% $9.34
7.500 1.500 7.93% $9.27
7.375 2.375 7.95% $9.20
7.250 3.250 7.97% $9.13

The rates quoted are effective as of 01/06/2009, are not guaranteed until locked, and are subject to change without notice.

The Annual Percentage Rates (APRs) are based on a loan amount of $350,000 for the stated term and a Loan-to-Value of 80%.

Not applicable to pre-approvals without property selected.


To speak to a real estate loan consultant, please call
714/258-4000 or 800/462-8328, extension 8236.
Consultants are available Monday - Friday, from
8 a.m. to 7 p.m., and Saturday, from 9 a.m. to 3 p.m.





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