Ideal Mortgage Rates
Today's Rates
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Fixed-Rate Mortgage
| Program Name | Rate | Points | APR |
|---|---|---|---|
| 30 Yr. Fixed - Conventional | 5.375% | 0.00% | 5.446% |
| 30 Yr. Fixed - Conventional 2nd Home | 5.625% | 0.00% | 5.698% |
| 30 Yr. Fixed - FHA | 5.375% | 0.00% | 6.022% |
| 30 Yr. Fixed - VA | 5.375% | 0.00% | 5.668% |
| 20 Yr. Fixed - Conventional | 4.875% | 0.00% | 5.080% |
| 15 Yr. Fixed - Conventional | 4.625% | 0.00% | 4.760% |
| 10 Yr. Fixed – Conventional | 4.625% | 0.00% | 4.819% |
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Fixed-Rate Mortgage Specials
| Program Name | Benefits | Get Started Today! |
|---|---|---|
| 30 Yr. Fixed – No Lender Fee - Conventional 1 | Enjoy the stability of a fixed rate with the added benefit of reduced closing fees. | Call us at 651-747-4663 or Make an Appointment for rates and to learn more. |
| 20 Yr. Fixed - No Lender Fee - Conventional 1 | Enjoy the stability of a fixed rate with the added benefit of reduced closing fees. | Call us at 651-747-4663 or Make an Appointment for rates and to learn more. |
| 25 Yr. Fixed - Zero Down - Conventional 2 | Get into your new home sooner. | Call us at 651-747-4663 or Make an Appointment for rates and to learn more. |
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Adjustable-Rate Mortgage
| Program Name | Rate | Points | APR |
|---|---|---|---|
| 10/5 ARM - Conventional | 4.875% | 0.00% | 5.522% |
| 10/1 ARM - Conventional | 4.750% | 0.00% | 5.395% |
| 10/1 ARM - Conventional 2nd Home | 5.000% | 0.00% | 5.649% |
| 7/1 ARM - Conventional | 4.375% | 0.00% | 5.015% |
| 5/1 ARM – Conventional | 4.500% | 0.00% | 5.401% |
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Jumbo Mortgage
| Program Name | Rate | Points | APR |
|---|---|---|---|
| 30 Yr Fixed - Jumbo | 5.500% | 0.00% | 5.575% |
| 15 Yr. Fixed - Jumbo | 4.875% | 0.00% | 4.943% |
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Simple Refinance
| Simple Refinance 3 | Rate | Points | APR |
|---|---|---|---|
| 15 Yr. Fixed - Simple Refinance – Conventional | 5.125% | 0.00% | 5.252% |
| 10 Yr. Fixed – Simple Refinance - Conventional | 5.125% | 0.00% | 5.306% |
| 10/5 ARM – Simple Refinance - Conventional | 5.250% | 0.00% | 5.326% |
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Payment / Amortization Calculator
Calculate your monthly payment for fixed rate or adjustable rate loans.
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If the down payment is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR (applicable on conventional products).
Payment example: On a $250,000 owner occupied (primary residence) home loan at 5.446% APR for a 30 year term, monthly payments would be $1,399.93 per month. Payments do not include applicable taxes and insurance and may result in higher payments.
Payment example: On a $200,000 mortgage loan at 4.760% APR for a 15 year term, monthly payments would be $1,542.79 Payments do not include applicable taxes and insurance and may result in higher payments.
Adjustable Rate Mortgage Disclosures
1. No Lender Fee Mortgage Program: Maximum loan amount $548,250. Payments do not include amounts for taxes and insurance premiums. Offer subject to normal credit qualifications. 1% origination fee is waived. Rate subject to change. Property insurance is required. Consult your tax advisor regarding deductibility of interest. Payment example: On a $200,000 loan amount with a $250,000 purchase price for 30 years at 5.722% fixed APR, monthly proposed principle and interest payments would equal $1,151.31. Payments do not include applicable taxes and insurance and may result in higher payments.
2. Zero Down Mortgage Program: available for qualified applicants with minimum 700 credit score. Some restrictions may apply. Available for purchase transactions and owner occupied residence up to max loan amount of $647,200. Payment example: On a $200,000 mortgage loan at 5.351% APR for a 25 year term, monthly payments would be $1,198.50. This payment example does not include taxes and insurance and the payment will be higher than the disclosed payment. Subject to mortgage insurance approval. Not eligible for condos or multi-family properties.
3. Simple Home Loan Refinance: Maximum loan amount $250,000. A minimum credit score of 680 is required to obtain this rate. Closing costs vary by state. The average closing cost is $1,299 but will not exceed $1,999 if appraisal is required. Offer is subject to normal credit qualifications. Finance up to 80% of homes value. Available for Single Family Home, 2-4 units, Condominium, and Townhome. Primary & secondary occupancies acceptable. Property insurance is required. Consult your tax advisor regarding deductibility of interest. Payment example: On a $250,000 owner occupied (primary residence) home loan 5.252% APR for a 15 year term, monthly payments would be $1,993.30 per month. Payments do not include applicable taxes and insurance and may result in higher payments. Rates are subject to change at any time.
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