| Loan Program | Rate | Points | APR | Terms |
| 15-Year Fixed Conforming: | 2.750% | 1.250 | 2.98% | $417,000 |
| 2.990% | ........ | 3.07% | $417,000 | |
| 30-Year Fixed Conforming: | 3.375% | 2.000 | 3.74% | $417,000 |
| 3.750% | 0.000 | 3.83% | $417,000 | |
| 30-Year Fixed Agency Jumbo (*In High Cost Counties): | 3.625% | 2.000 | 3.99% | *$625,500 |
| 3.990% | 0.000 | 4.07% | *$625,500 | |
| 30-Year Fixed FHA: | 3.750% | 0.000 | 3.83% | $417,000 |
| 30-Year Fixed FHA: | 3.750% | 0.000 | 3.83% | *$729,750 |
|
5-Year
Fixed Conforming / Converts to 1-Year LIBOR: |
2.250% | 0.750 | 2.38% | $417,000 |
| 2.490% | 0.000 | 2.57% | $417,000 | |
|
5-Year
Fixed Jumbo / Converts to 1-Year LIBOR: |
2.625% | 1.000 | 2.81% | $2 Million |
| 2.990% | 0.000 | 3.07% | $2 Million | |
| 30-Year Fixed Jumbo: | 3.875% | 1.750 | 4.19% | $2 Million |
| 4.500% | 0.000 | 4.58% | $2 Million | |
|
Equity Lines (Prime + 0.75) @ 4.00% to $350,000 @ 1 Pt.(4.18% APR.) |
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| Cost of Funds Index COFI | 1.20% |
| 12-Month MTA | 0.18% |
| 1-Year LIBOR: | 1.13% |
| 1-Year T-Bill: | 0.09% |
| Prime Rate | 3.25% |
Bob Bednarz, Mortgage Broker
Guarantee Mortgage
Phone: 415-462-2772
E-Mail: BBednarz@gmwest.Com
California Dept. of Real Estate (phone: 916-227-0931), license #01370741.
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