20-Year Fixed Rate
Our 20-year fixed rate loan program works well for homeowners who have already spent years paying down their mortgage. This program allows you to refinance and take advantage of lower interest rates, while helping to build equity quickly.
Features
- Conforming loans: finance up to 95% for primary residence detached homes and 90% for condominiums
- Jumbo loans: finance up to 90% for primary residence detached homes and condominiums
- Low fees
- Free 45-day rate lock
- No prepayment penalty
20-Year Fixed (Conforming)
(Maximum Loan: $417,000)
| Rate | Points | APR | Est. Pymt./$1,000 |
| 6.625 | -0.500 | 6.69% | $7.53 |
| 6.500 | -0.250 | 6.60% | $7.46 |
| 6.375 | 0.125 | 6.52% | $7.38 |
| 6.250 | 0.375 | 6.42% | $7.31 |
| 6.125 | 0.625 | 6.33% | $7.24 |
| 6.000 | 1.125 | 6.27% | $7.16 |
| 5.875 | 1.625 | 6.20% | $7.09 |
20-Year Fixed (Jumbo)
(Maximum Loan: $1,500,000)
| Rate | Points | APR | Est. Pymt./$1,000 |
| 8.000 | -0.375 | 8.10% | $8.36 |
| 7.875 | -0.250 | 7.99% | $8.29 |
| 7.750 | 0.000 | 7.90% | $8.21 |
| 7.625 | 0.250 | 7.81% | $8.13 |
| 7.500 | 0.500 | 7.71% | $8.06 |
| 7.375 | 0.875 | 7.64% | $7.98 |
The rates quoted are effective as of
11/19/2008, 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.
