| Loan Program | Rate | Points | APR | Terms |
| 15-Year Fixed Conforming: | 3.875% | 1.750 | 4.19% | $417,000 |
| 4.250% | ........ | 4.33% | $417,000 | |
| 30-Year Fixed Conforming: | 4.500% | 2.000 | 4.86% | $417,000 |
| 4.875% | 0.000 | 4.96% | $417,000 | |
| 30-Year Fixed Agency Jumbo (*In High Cost Counties): | 4.750% | 1.500 | 5.02% | *$729.750 |
| 5.125% | 0.000 | 5.21% | *$729.750 | |
| 30-Year Fixed Jumbo: | 5.750% | 1.000 | 5.93% | $2 Million |
| 30-Year Fixed Jumbo: | 6.250% | 0.000 | 6.33% | $2 Million |
|
5-Year
Fixed Jumbo / Converts to 1-Year LIBOR: |
4.500% | 1.000 | 4.68% | $2 Million |
| 5.000% | 0.000 | 5.08% | $2 Million | |
|
7-Year
Fixed Jumbo / Converts to 1-Year LIBOR: |
4.990% | 1.000 | 5.17% | $2 Million |
| 5.500% | 0.000 | 5.58% | $2 Million | |
| 10-Year Fixed Jumbo / Converts to 1-Year LIBOR: | 5.500% | 1.000 | 5.68% | $2 Million |
| 5.875% | 0.000 | 5.96% | $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 | 1.78% |
| 12-Month MTA | 0.44% |
| 1-Year LIBOR: | 0.84% |
| 1-Year T-Bill: | 0.34% |
| 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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