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30 Year Fixed Rate : 3.75 %
0 Points * APR:

15 Year Fixed Rate : 3.125 %
0 Points * APR:

Hybrid 5 Year Fixed : 3.875 %
0 Points * APR:
interest only to $2 million.

   *APRS based on $200k loan amount

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Mortgage Interest Rates


Mortgage rates are affected by numerous factors. Mortgage rates will change daily until they are locked in. For refinance transaction, rate locks are good for up to 30 days. On a purchase transaction, mortgage rate locks can go from 30-60 days depending on the lender. If there are any delays in the processing of the loan, most wholesale lenders will allow a free lock extension for a a few days but for an extra 10 rate lock extension it will cost a .125-.25% cost. In situations where the market has deteriorated significantly from when the rate was locked, the nominal extension fee may be ok.
In a purchase money transaction, sometimes there can be delays which cause the rate lock to expire and an extension is required. It is important to be aware to the possible things can can eat up time. Inspections can cause work to be performed on the property prior to closing in a sale transaction. There could be required work being done for termintes. Or, there could be other issues. It is important that the mortgage professional understand all the contemplated work during a sale transaction to decide on the best lock term. Longer lock terms are more expensive than a shorter term lock. (30 days) As a borrwer, it is important that you understand the brokers are approved with many lenders. Should the market conditions improve after the broker has already locked in a mortgage rate at a lender, it is possible for the broker to move the loan file to a different lender. This rarely happend though, as the market would have to move at least 1/4% to take advantage of the drop in rates. Normally during a 30 day escrow period, this much change does not occur.

Current mortgage rates can be found here.









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