Loan Rates  
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Loan Rates (Available for California properties only.)

 

Rates as Low as...

 

Residential (1 to 4 Units)
The following example is based on a gross loan of $100,000.00, with a 1% documentation fee.
Product

15 year ARM owner occupied

30 year ARM owner occupied

15 year ARM non-owner occupied

30 year ARM non-owner occupied

Interest Rate

7.24%

7.24%

7.99%

7.99%
APR *

7.851%

7.661%

8.623%

8.437%
Monthly Payment

$918.28

$688.69

$961.84

$741.22
Points

2

2

2

2
 
* Rate subject to increase after consummation.
Rates are subject to change without prior notice.

 

Residential Construction and Rehab
The following example is based on a gross loan of $50,000.00, with a 1% documentation fee and a $500.00 Fund Control Fee, 1 year fixed, interest only, owner or non owner occupied.
Product
Rehab / Initial Construction
Interest Rate
9.99%
APR
14.445%
Monthly Payment
$421.30
Payment At Maturity
$50,428.56
Points
2
Fund Control Fees
$500.00 minimum or 1.5 to 2%

 

Manufactured Home Loans
The following example is based on a gross loan of $100,000.00, with a 1% documentation fee, 30 year ARM loan.
Product
30 year ARM owner occupied
30 year ARM non-owner occupied
Interest Rate
8.49%
8.99%
APR*
8.835%
9.349%
Monthly Payment
$776.91
$813.26
Points
1
1
 
* Rate subject to increase after consummation.

 

Apartments Special Programs
Variable Rate - Loan amounts from $500,000 to $6,000,000
Rate
Points
APR *
6.49%
0
6.623% +
 
Variable Rate - Loan amounts from $250,000 to $499,000
Rate
Points
APR *
7.24%
0
7.384% +

 

Commercial Special Programs
Variable Rate - Loan amounts from $500,000 to $6,000,000
Rate
Points
APR *
6.74%
0
6.877% +
 
Variable Rate - Loan amounts from $250,000 to $499,000
Rate
Points
APR *
7.49%
0
7.640% +

 

Mixed Use Special Programs
Variable Rate - Loan amounts from $500,000 to $6,000,000
Rate
Points
APR *
6.74%
0
6.877% +
 
Variable Rate - Loan amounts from $250,000 to $499,000
Rate
Points
APR *
7.49%
0
7.640% +
 
** Special rates available for fixed for first 3 or 5 years programs.
** Call your nearest branch for more details.
** Rates and terms may change with perceived credit risk.
** Rates may change without notice.
+ Based on a $500,000 loan with a $1,995 documentation fee.
* Rate subject to increase after consummation.

 

Commercial, Mixed Use and Apartments
30 Yr Variable Rate, Fixed for 1st 5 years
Start Rate
Points
APR *
9.24%
1.5
9.664% **
 
30 Yr Variable Rate
Start Rate
Points
APR *
8.74%
2
9.206% **
 
30 Yr Variable Rate, Due in 5 years
Start Rate
Points
APR *
7.74%
1.5
8.485% **
 
30 Yr Variable Rate, Due in 10 years
Start Rate
Points
APR *
7.99%
1.5
8.494% **
 
** Based on a $200,000 loan with a 1% documentation fee.
* Rate subject to increase after consummation.
 
For more information please call a branch near you for a current quote
 
Rates are subject to change without notice.