Home Refinance Loans
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Conforming Loans

Conforming loans tend to have the lowest interest rates available. Home buyers and home owners who are refinancing can also take advantage of low-cost conforming mortgages, as long as the amount they refinance doesn't exceed FNMA* and FHLMC** limits. For some homeowners, it makes sense to pay down a larger mortgage in order to save on interest rates.

Conforming Rates

 

3 YR ARM Conforming Loans Up to $322K

Notes: $175K-$322K loan amount / owner occupied 30 Year loan payment is fixed first three(3) years then becomes ARM Loan. No impound add .25 point. See notes and comments below.
Rate Point APR
5.250 0.875 5.375
5.250 0.000 5.375

 

5 YR ARM Conforming Loans Up to $322K

Notes: $175K-$322K loan amount. Fixed 5 YR: After 5 years then becomes ARM. No impound add .25 point. See notes and comments below.
Rate Point APR
5.750 0.000 5.875
  • Rates are subject to change without notice and often updated throughout the day.
  • Rate and fees will be higher for the following loans: Cash out loans, Investment property loans, 2-4 Family dwellings, High Rise CONDO's, FICO's less than 680.
  • FNMA guidelines have changed for refinances above 70% LTV that involve payoff of equity lines of credit and seconds. These loans may be considered cash out even though borrower does not receive any cash at closing.

*FNMA - Federal National Mortgage Association (FNMA, Fannie Mae)
**FHLMC - Federal Home Loan Mortgage Corporation (FHLMC, Freddie Mac)