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Product Details

Fixed Rate Mortgages

30 Year Fixed Rate Conforming

Loan Term 30 Years
Prepayment Penalty None
Occupancy Requirement Owner Occupied
Number of Units 1-4 units if Primary Residence, 1 unit if Second Home
Maximum Loan Amount View our current loan limits
Maximum Loan to Value (LTV) Depends on the number of units and whether primary residence or second home.
  Purchase:
Limited or no cash out refinance:
Cash-out refinance:
80% - 95%
80% - 95%
65% - 90%
Eligible Properties >1-4 Family
>1 unit Second Homes
>Condominiums
>Planned Unit Developments
>Manufactured Homes may not be eligible, please contact a Mortgage Consultant
   

30 Year Fixed Rate Jumbo

Loan Term 30 Years
Prepayment Penalty None
Occupancy Requirement Owner Occupied, Non-Owner Occupied
Number of Units 1-4 units if Primary Residence, 1 unit if Second Home, 1 unit Investment
Maximum Loan Amount Up to $650,000 depending on the number of units and whether primary residence or second home. Larger loan amounts available by request on an individual case basis.
Maximum Loan to Value (LTV) Depends on the number of units, loan amount and whether primary residence or second home.
  Purchase:
Limited or no cash out refinance:
Cash-out refinance:
60% - 95%
60% - 95%
60% - 85%
Eligible Properties >1-4 Family
>1 unit Second Homes
>1 unit Investment
>Condominiums
>Planned Unit Developments
 

25 Year Fixed Rate Conforming

Loan Term 30 Years
Prepayment Penalty None
Occupancy Requirement Owner Occupied
Number of Units 1-4 units if Primary Residence, 1 unit if Second Home
Maximum Loan Amount View our current loan limits
Maximum Loan to Value (LTV) Depends on the number of units and whether primary residence or second home.
  Purchase:
Limited or no cash out refinance:
Cash-out refinance:
80% - 95%
80% - 95%
65% - 90%
Eligible Properties >1-4 Family
>1 unit Second Homes
>Condominiums
>Planned Unit Developments
>Manufactured Homes may not be eligible, please contact a Mortgage Consultant
   

20 Year Fixed Rate Conforming

Loan Term 20 Years
Prepayment Penalty None
Occupancy Requirement Owner Occupied
Number of Units 1-4 units if Primary Residence, 1 unit if Second Home
Maximum Loan Amount View our current loan limits
Maximum Loan to Value (LTV) Depends on the number of units and whether primary residence or second home.
  Purchase:
Limited or no cash out refinance:
Cash-out refinance:
80% - 95%
80% - 95%
65% - 90%
Eligible Properties >1-4 Family
>1 unit Second Homes
>Condominiums
>Planned Unit Developments
>Manufactured Homes may not be eligible, please contact a Mortgage Consultant


20 Year Fixed Rate Jumbo

Loan Term 20 Years
Prepayment Penalty None
Occupancy Requirement Owner Occupied, Non-Owner Occupied
Number of Units 1-4 units if Primary Residence, 1 unit if Second Home, 1 unit Investment
Maximum Loan Amount View our current loan limits
Maximum Loan to Value (LTV) Depends on the number of units and whether primary residence or second home.
  Purchase:
Limited or no cash out refinance:
Cash-out refinance:
60% - 95%
60% - 95%
60% - 85%
Eligible Properties

>1-4 Family
>1 unit Second Homes
>1 unit Investment
>Condominiums
>Planned Unit Developments
>Manufactured Homes may not be eligible, please contact a Mortgage Consultant.

   

15 Year Fixed Rate Conforming

Loan Term 15 Years
Prepayment Penalty None
Occupancy Requirement Owner Occupied
Number of Units 1-4 units if Primary Residence, 1 unit if Second Home
Maximum Loan Amount View our current loan limits
Maximum Loan to Value (LTV) Depends on the number of units and whether primary residence or second home.
  Purchase:
Limited or no cash out refinance:
Cash-out refinance:
80% - 95%
80% - 95%
65% - 90%
Eligible Properties >1-4 Family
>1 unit Second Homes
>Condominiums
>Planned Unit Developments
>Manufactured Homes may not be eligible, please contact a Mortgage Consultant
   

15 Year Fixed Rate Jumbo

Loan Term 15 Years
Prepayment Penalty None
Occupancy Requirement Owner Occupied, Non-Owner Occupied
Number of Units 1-4 units if Primary Residence, 1 unit if Second Home, 1 unit Investment
Maximum Loan Amount Up to $650,000 depending on the number of units and whether primary residence or second home. Larger loan amounts available by request on an individual case basis.
Maximum Loan to Value (LTV) Depends on the number of units, loan amount and whether primary residence or second home.
  Purchase:
Limited or no cash out refinance:
Cash-out refinance:
60% - 95%
60% - 95%
60% - 85%
Eligible Properties >1-4 Family
>1 unit Second Homes
>1 unit Investment
>Condominiums
>Planned Unit Developments
   

10 Year Fixed Rate Conforming

Loan Term 10 Years
Prepayment Penalty None
Occupancy Requirement Owner Occupied
Number of Units 1-4 units if Primary Residence, 1 unit if Second Home
Maximum Loan Amount View our current loan limits
Maximum Loan to Value (LTV) Depends on the number of units and whether primary residence or second home.
  Purchase:
Limited or no cash out refinance:
Cash-out refinance:
80% - 95%
80% - 95%
65% - 90%
Eligible Properties >1-4 Family
>1 unit Second Homes
>Condominiums
>Planned Unit Developments
>Manufactured Homes may not be eligible, please contact a Mortgage Consultant
   

30 Year Fixed Rate Investment

Loan Term 30 Years
Prepayment Penalty None
Occupancy Requirement Non-Owner Occupied
Number of Units 1-4 units
Maximum Loan Amount View our current loan limits
Maximum Loan to Value (LTV) Depends on the number of units and whether primary residence or second home.
  Purchase:
Limited or no cash out refinance:
Cash-out refinance:
75% - 90%
75% - 90%
65% - 85%
Eligible Properties >1-4 Family
>Condominiums
>Planned Unit Developments
>Manufactured Homes are not eligible
   

20 Year Fixed Rate Investment

Loan Term 20 Years
Prepayment Penalty None
Occupancy Requirement Non-Owner Occupied
Number of Units 1-4 units
Maximum Loan Amount View our current loan limits
Maximum Loan to Value (LTV) Depends on the number of units and whether primary residence or second home.
  Purchase:
Limited or no cash out refinance:
Cash-out refinance:
75% - 90%
75% - 90%
65% - 85%
Eligible Properties >1-4 Family
>Condominiums
>Planned Unit Developments
>Manufactured Homes are not eligible
   

15 Year Fixed Rate Investment

Loan Term 15 Years
Prepayment Penalty None
Occupancy Requirement Non-Owner Occupied
Number of Units 1-4 units
Maximum Loan Amount View our current loan limits
Maximum Loan to Value (LTV) Depends on the number of units and whether primary residence or second home.
  Purchase:
Limited or no cash out refinance:
Cash-out refinance:
75% - 90%
75% - 90%
65% - 85%
Eligible Properties >1-4 Family
>Condominiums
>Planned Unit Developments
>Manufactured Homes are not eligible
   

10 Year Fixed Rate Investment

Loan Term 15 Years
Prepayment Penalty None
Occupancy Requirement Non-Owner Occupied
Number of Units 1-4 units
Maximum Loan Amount View our current loan limits
Maximum Loan to Value (LTV) Depends on the number of units and whether primary residence or second home.
  Purchase:
Limited or no cash out refinance:
Cash-out refinance:
75% - 90%
75% - 90%
65% - 85%
Eligible Properties >1-4 Family
>Condominiums
>Planned Unit Developments
>Manufactured Homes are not eligible
   

25 Year Fixed Rate Investment

Loan Term 15 Years
Prepayment Penalty None
Occupancy Requirement Non-Owner Occupied
Number of Units 1-4 units
Maximum Loan Amount View our current loan limits
Maximum Loan to Value (LTV) Depends on the number of units and whether primary residence or second home.
  Purchase:
Limited or no cash out refinance:
Cash-out refinance:
75% - 90%
75% - 90%
65% - 85%
Eligible Properties >1-4 Family
>Condominiums
>Planned Unit Developments
>Manufactured Homes are not eligible
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Adjustable Rate Mortgages

LIBOR Adjustable Rate Mortgages

1 Year LIBOR ARM Conforming

Loan Term 30 Years
Prepayment Penalty None
Occupancy Requirement Owner Occupied, Non-Owner Occupied
Number of Units 1-4 units if Primary Residence, 1 unit if Second Home, 1-4 unit Investment
Maximum Loan Amount View our current loan limits
Maximum Loan to Value (LTV) Depends on the number of units and whether primary residence or second home.
  Purchase:
Limited or no cash out refinance:
Cash-out refinance:
80% - 95%
80% - 95%
70% - 90%
Margin 2.25%
Index 1 Year LIBOR
Eligible Properties >1-4 Family
>1 unit Second Homes
>1-4 unit Investment Properties
>Condominiums
>Planned Unit Developments
>Manufactured Homes may not be eligible, please contact a Mortgage Consultant
Periodic Adjustment Cap 2.00%
Lifetime Adjustment Cap 11.00%
Adjustment Details Adjusts Annually. Annual rate adjustments cannot exceed 2% per year with a lifetime cap of 11% above the initial interest rate.
   

1 Year LIBOR ARM Jumbo

Loan Term 30 Years
Prepayment Penalty None
Occupancy Requirement Owner Occupied, Non-Owner Occupied
Number of Units 1-4 units if Primary Residence, 1 unit if Second Home, 1 unit Investment
Maximum Loan Amount Up to $650,000 depending on the number of units and whether primary residence or second home. Larger loan amounts available by request on an individual case basis.
Maximum Loan to Value (LTV) Depends on the number of units, loan amount and whether primary residence or second home.
  Purchase:
Limited or no cash out refinance:
Cash-out refinance:
60% - 90%
60% - 90%
60% - 85%
Margin 2.25%
Index 1 Year LIBOR
Eligible Properties >1-4 Family
>1 unit Second Homes
>1 unit Investment Properties
>Condominiums
>Planned Unit Developments
Periodic Adjustment Cap 2.00%
Lifetime Adjustment Cap 11.00%
Adjustment Details Adjusts annually. Annual rate adjustments cannot exceed 2% per year with a lifetime cap of 11% above the initial interest rate.
   

3/1 LIBOR ARM Conforming

Loan Term 30 Years
Prepayment Penalty None
Occupancy Requirement Owner Occupied, Non-Owner Occupied
Number of Units 1-4 units if Primary Residence, 1 unit if Second Home, 1-4 unit Investment
Maximum Loan Amount View our current loan limits
Maximum Loan to Value (LTV) Depends on the number of units and whether primary residence or second home.
  Purchase:
Limited or no cash out refinance:
Cash-out refinance:
80% - 95%
80% - 95%
70% - 90%
Margin 2.50%
Index 1 Year LIBOR
Eligible Properties >1-4 Family
>1 unit Second Homes
>1-4 unit Investment Properties
>Condominiums
>Planned Unit Developments
>Manufactured Homes may not be eligible, please contact a Mortgage Consultant
Periodic Adjustment Cap 2.00%
Lifetime Adjustment Cap 6.00%
Adjustment Details A fixed interest rate for the first 3 years, which then may adjust annually. Annual rate adjustments cannot exceed 2% per year with a lifetime cap of 6% above the initial interest rate.
   

3/1 LIBOR ARM Jumbo

Loan Term 30 Years
Prepayment Penalty None
Occupancy Requirement Owner Occupied, Non-Owner Occupied
Number of Units 1-4 units if Primary Residence, 1 unit if Second Home, 1 unit Investment
Maximum Loan Amount Up to $650,000 depending on the number of units and whether primary residence or second home. Larger loan amounts available by request on an individual case basis.
Maximum Loan to Value (LTV) Depends on the number of units, loan amount and whether primary residence or second home.
  Purchase:
Limited or no cash out refinance:
Cash-out refinance:
60% - 90%
60% - 90%
60% - 85%
Margin 2.50%
Index 1 Year LIBOR
Eligible Properties >1-4 Family
>1 unit Second Homes
>1 unit Investment Properties
>Condominiums
>Planned Unit Developments
Periodic Adjustment Cap 2.00%
Lifetime Adjustment Cap 6.00%
Adjustment Details A fixed interest rate for the first three years, which then may adjust annually. Annual rate adjustments cannot exceed 2% per year with a lifetime cap of 6% above the initial interest rate.
   

5/1 LIBOR ARM Conforming

Loan Term 30 Years
Prepayment Penalty None
Occupancy Requirement Owner Occupied, Non-Owner Occupied
Number of Units 1-4 units if Primary Residence, 1 unit if Second Home, 1-4 unit Investment
Maximum Loan Amount View our current loan limits
Maximum Loan to Value (LTV) Depends on the number of units and whether primary residence or second home.
  Purchase:
Limited or no cash out refinance:
Cash-out refinance:
80% - 95%
80% - 95%
70% - 90%
Margin 2.50%
Index 1 Year LIBOR
Eligible Properties >1-4 Family
>1 unit Second Homes
>1-4 unit Investment Properties
>Condominiums
>Planned Unit Developments
>Manufactured Homes may not be eligible, please contact a Mortgage Consultant
Periodic Adjustment Cap 2.00%
Lifetime Adjustment Cap 5.00%
Adjustment Details A fixed interest rate for the first 5 years, which then may adjust annually. The first adjustment cannot exceed 5%. Annual rate adjustments thereafter cannot exceed 2% with a lifetime cap of 5% above the initial interest rate.
   

5/1 LIBOR ARM Jumbo

Loan Term 30 Years
Prepayment Penalty None
Occupancy Requirement Owner Occupied, Non-Owner Occupied
Number of Units 1-4 units if Primary Residence, 1 unit if Second Home, 1 unit Investment
Maximum Loan Amount Up to $650,000 depending on the number of units and whether primary residence or second home. Larger loan amounts available by request on an individual case basis.
Maximum Loan to Value (LTV) Depends on the number of units, loan amount and whether primary residence or second home.
  Purchase:
Limited or no cash out refinance:
Cash-out refinance:
60% - 90%
60% - 90%
60% - 85%
Margin 2.50%
Index 1 Year LIBOR
Eligible Properties >1-4 Family
>1 unit Second Homes
>1 unit Investment Properties
>Condominiums
>Planned Unit Developments
Periodic Adjustment Cap 2.00%
Lifetime Adjustment Cap 5.00%
Adjustment Details A fixed interest rate for the first 5 years, which then may adjust annually. The first adjustment cannot exceed 5%. Annual rate adjustments thereafter cannot exceed 2% per year with a lifetime cap of 5% above the initial interest rate
   

7/1 LIBOR ARM Conforming

Loan Term 30 Years
Prepayment Penalty None
Occupancy Requirement Owner Occupied, Non-Owner Occupied
Number of Units 1-4 units if Primary Residence, 1 unit if Second Home, 1-4 unit Investment
Maximum Loan
Amount
View our current loan limits
Maximum Loan to Value (LTV) Depends on the number of units and whether primary residence or second home.
  Purchase:
Limited or no cash out refinance:
Cash-out refinance:
80% - 95%
80% - 95%
70% - 90%
Margin 2.50%
Index 1 Year LIBOR
Eligible Properties

>1-4 Family
>1 unit Second Homes
>1-4 unit Investment Properties
>Condominiums
>Planned Unit Developments
>Manufactured Homes may not be eligible, please contact a Mortgage Consultant

Periodic Adjustment Cap 2.00%
Lifetime Adjustment Cap 5.00%
Adjustment Details A fixed interest rate for the first 7 years, which then may adjust annually. The first adjustment cannot exceed 5%. Annual rate adjustments thereafter cannot exceed 2% with a lifetime cap of 5% above the initial interest rate.
   

7/1 LIBOR ARM Jumbo

Loan Term 30 Years
Prepayment Penalty None
Occupancy Requirement Owner Occupied, Non-Owner Occupied
Number of Units 1-4 units if Primary Residence, 1 unit if Second Home, 1 unit Investment
Maximum Loan Amount Up to $650,000 depending on the number of units and whether primary residence or second home. Larger loan amounts available by request on an individual case basis.
Maximum Loan to Value (LTV) Depends on the number of units, loan amount and whether primary residence or second home.
  Purchase:
Limited or no cash out refinance:
Cash-out refinance:
60% - 90%
60% - 90%
60% - 85%
Margin 2.50%
Index 1 Year LIBOR
Eligible Properties >1-4 Family
>1 unit Second Homes
>1 unit Investment Properties
>Condominiums
>Planned Unit Developments
Periodic Adjustment Cap 2.00%
Lifetime Adjustment Cap 5.00%
Adjustment Details A fixed interest rate for the first 7 years and then may adjust annually. The first adjustment cannot exceed 5%. Annual rate adjustments thereafter cannot exceed 2% per year with a lifetime cap of 5% above the initial interest rate.
   

10/1 LIBOR ARM Conforming

Loan Term 30 Years
Prepayment Penalty None
Occupancy Requirement Owner Occupied, Non-Owner Occupied
Number of Units 1-4 units if Primary Residence, 1 unit if Second Home, 1-4 unit Investment
Maximum Loan Amount View our current loan limits
Maximum Loan to Value (LTV) Depends on the number of units and whether primary residence or second home.
  Purchase:
Limited or no cash out refinance:
Cash-out refinance:
80% - 95%
80% - 95%
70% - 90%
Margin 2.50%
Index 1 Year LIBOR
Eligible Properties >1-4 Family
>1 unit Second Homes
>1-4 unit Investment Properties
>Condominiums
>Planned Unit Developments
>Manufactured Homes may not be eligible, please contact a Mortgage Consultant
Periodic Adjustment Cap 2.00%
Lifetime Adjustment Cap 5.00%
Adjustment Details A fixed interest rate for the first 10 years, which then may adjust annually. The first adjustment cannot exceed 5%. Annual rate adjustments thereafter cannot exceed 2% with a lifetime cap of 5% above the initial interest rate.
   

10/1 LIBOR ARM Jumbo

Loan Term 30 Years
Prepayment Penalty None
Occupancy Requirement Owner Occupied, Non-Owner Occupied
Number of Units 1-4 units if Primary Residence, 1 unit if Second Home, 1 unit Investment
Maximum Loan Amount Up to $650,000 depending on the number of units and whether primary residence or second home. Larger loan amounts available by request on an individual case basis.
Maximum Loan to Value (LTV) Depends on the number of units, loan amount and whether primary residence or second home.
  Purchase:
Limited or no cash out refinance:
Cash-out refinance:
60% - 90%
60% - 90%
60% - 85%
Margin 2.50%
Index 1 Year LIBOR
Eligible Properties >1-4 Family
>1 unit Second Homes
>1 unit Investment Properties
>Condominiums
>Planned Unit Developments
Periodic Adjustment Cap 2.00%
Lifetime Adjustment Cap 5.00%
Adjustment Details A fixed interest rate for the first 10 years, which then may adjust annually. The first adjustment cannot exceed 5%. Annual rate adjustments thereafter cannot exceed 2% per year with a lifetime cap of 5% above the initial interest rate.
   

Interest Only Adjustable Rate Mortgages

3/1 Interest Only LIBOR ARM Conforming

Loan Term 30 Years
Prepayment Penalty None
Occupancy Requirement Owner Occupied
Number of Units 1 unit if Primary Residence, 1 unit if Second Home
Maximum Loan Amount View our current loan limits
Maximum Loan to Value (LTV) Depends on the number of units and whether primary residence or second home
  Purchase:
Limited or no cash out refinance:
Cash-out refinance:
80% - 90%
80% - 90%
70%
Margin 2.50%
Index 1 Year LIBOR
Eligible Properties

>1-4 Family
>1 unit Second Homes
>Condominiums
>Planned Unit Developments
>Manufactured Homes may not be eligible, please contact a Mortgage Consultant.

Periodic Adjustment Cap 2.00%
Lifetime Adjustment Cap 6.00%
Adjustment Details A fixed interest rate for the first 3 years, but interest only payments will be made for the first 10 years. Rate then may adjust annually. The first adjustment cannot exceed 2% per year with a lifetime cap of 6% above the initial interest rate.
   

5/1 Interest Only LIBOR ARM Conforming

Loan Term 30 Years
Prepayment Penalty None
Occupancy Requirement Owner Occupied
Number of Units 1 unit if Primary Residence, 1 unit if Second Home
Maximum Loan Amount View our current loan limits
Maximum Loan to Value (LTV) Depends on the number of units and whether primary residence or second home
  Purchase:
Limited or no cash out refinance:
Cash-out refinance:
80% - 90%
80% - 90%
70%
Margin 2.50%
Index 1 Year LIBOR
Eligible Properties

>1-4 Family
>1 unit Second Homes
>Condominiums
>Planned Unit Developments
>Manufactured Homes may not be eligible, please contact a Mortgage Consultant.

Periodic Adjustment Cap 2.00%
Lifetime Adjustment Cap 5.00%
Adjustment Details A fixed interest rate for the first 5 years, but interest only payments will be made for the first 5 years. Rate then may adjust annually. The first adjustment cannot exceed 5%. Annual rate adjustments thereafter cannot exceed 2% with a lifetime cap of 5% above the initial interest rate.
   

7/1 Interest Only LIBOR ARM Conforming

Loan Term 30 Years
Prepayment Penalty None
Occupancy Requirement Owner Occupied
Number of Units 1 unit if Primary Residence, 1 unit if Second Home
Maximum Loan Amount View our current loan limits
Maximum Loan to Value (LTV) Depends on the number of units and whether primary residence or second home
  Purchase:
Limited or no cash out refinance:
Cash-out refinance:
80% - 90%
80% - 90%
70%
Margin 2.50%
Index 1 Year LIBOR
Eligible Properties

>1-4 Family
>1 unit Second Homes
>Condominiums
>Planned Unit Developments
>Manufactured Homes may not be eligible, please contact a Mortgage Consultant.

Periodic Adjustment Cap 2.00%
Lifetime Adjustment Cap 5.00%
Adjustment Details A fixed interest rate for the first 7 years, but interest only payments will be made for the first 7 years. Rate then may adjust annually. The first adjustment cannot exceed 5%. Annual rate adjustments thereafter cannot exceed 2% with a lifetime cap of 5% above the initial interest rate.
   

10/1 Interest Only LIBOR ARM Conforming

Loan Term 30 Years
Prepayment Penalty None
Occupancy Requirement Owner Occupied
Number of Units 1 unit if Primary Residence, 1 unit if Second Home
Maximum Loan Amount View our current loan limits
Maximum Loan to Value (LTV) Depends on the number of units and whether primary residence or second home
  Purchase:
Limited or no cash out refinance:
Cash-out refinance:
80% - 90%
80% - 90%
70%
Margin 2.50%
Index 1 Year LIBOR
Eligible Properties

>1-4 Family
>1 unit Second Homes
>Condominiums
>Planned Unit Developments
>Manufactured Homes may not be eligible, please contact a Mortgage Consultant.

Periodic Adjustment Cap 2.00%
Lifetime Adjustment Cap 5.00%
Adjustment Details A fixed interest rate for the first 10 years, but interest only payments will be made for the first 10 years. Rate then may adjust annually. The first adjustment cannot exceed 5%. Annual rate adjustments thereafter cannot exceed 2% with a lifetime cap of 5% above the initial interest rate.
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