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Product Details

Fixed Rate Mortgages

40 Year Fixed Rate Conforming
Loan Term 40 years
Prepayment Penalty None
Occupancy Requirement Owner Occupied
Number of Units 1-4 unit Primary Residence, 1 unit 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:		 75% - 95%
75% - 95%
75% - 80%
Eligible Properties >1-4 unit Primary Residence
>1 unit Second Homes
>Condominiums
>Planned Unit Developments
>Manufactured Homes are not eligible
   

30 Year Fixed Rate Conforming
Loan Term 30 Years
Prepayment Penalty None
Occupancy Requirement Owner Occupied
Number of Units 1-4 unit Primary Residence, 1 unit 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:		 75% - 95%
75% - 95%
65% - 80%
Eligible Properties >1-4 unit Primary Residence
>1 unit Second Homes
>Condominiums
>Planned Unit Developments
>Manufactured Homes may be eligible for owner occupied properties. Please contact a Mortgage Consultant.
   

30 Year Fixed Rate JUMBO

Loan Term 30 Years
Prepayment Penalty None
Occupancy Requirement Owner Occupied
Number of Units 1-4 unit Primary Residence, 1 unit Second Home
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% - 70%
60% - 70%
60%
Eligible Properties >1-4 unit Primary Residence
>1 unit Second Homes
>Condominiums
>Planned Unit Developments
 

25 Year Fixed Rate Conforming
Loan Term 25 Years
Prepayment Penalty None
Occupancy Requirement Owner Occupied
Number of Units 1-4 unit Primary Residence, 1 unit 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:		 75% - 95%
75% - 95%
65% - 80%
Eligible Properties >1-4 unit Primary Residence
>1 unit Second Homes
>Condominiums
>Planned Unit Developments
>Manufactured Homes may be eligible for owner occupied properties. Please contact a Mortgage Consultant.
   

25 Year Fixed Rate JUMBO

Loan Term 25 Years
Prepayment Penalty None
Occupancy Requirement Owner Occupied
Number of Units 1-4 unit Primary Residence, 1 unit 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:		 60% - 70%
60% - 70%
60%
Eligible Properties >1-4 unit Primary Residence
>1 unit Second Homes
>Condominiums
>Planned Unit Developments
   

20 Year Fixed Rate Conforming
Loan Term 20 Years
Prepayment Penalty None
Occupancy Requirement Owner Occupied
Number of Units 1-4 unit Primary Residence, 1 unit 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:		 75% - 95%
75% - 95%
65% - 80%
Eligible Properties >1-4 unit Primary Residence
>1 unit Second Homes
>Condominiums
>Planned Unit Developments
>Manufactured Homes may be eligible for owner occupied properties. Please contact a Mortgage Consultant.


20 Year Fixed Rate JUMBO

Loan Term 20 Years
Prepayment Penalty None
Occupancy Requirement Owner Occupied
Number of Units 1-4 unit Primary Residence, 1 unit Second Home
Maximum Loan Amount View our current loan limits
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% - 70%
60% - 70%
60%
Eligible Properties >1-4 unit Primary Residence
>1 unit Second Homes
>Condominiums
>Planned Unit Developments
   

15 Year Fixed Rate Conforming
Loan Term 15 Years
Prepayment Penalty None
Occupancy Requirement Owner Occupied
Number of Units 1-4 units Primary Residence, 1 unit 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:		 75% - 95%
75% - 95%
65% - 80%
Eligible Properties >1-4 unit Primary Residence
>1 unit Second Homes
>Condominiums
>Planned Unit Developments
>Manufactured Homes may be eligible for owner occupied properties. Please contact a Mortgage Consultant.
   

15 Year Fixed Rate JUMBO

Loan Term 15 Years
Prepayment Penalty None
Occupancy Requirement Owner Occupied
Number of Units 1-4 unit Primary Residence, 1 unit Second Home
Maximum Loan Amount Up to $650,000 depending on the number of units, loan amount 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% - 70%
60% - 70%
60%
Eligible Properties >1-4 unit Primary Residence
>1 unit Second Homes
>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 unit Primary Residence, 1 unit 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:		 75% - 95%
75% - 95%
65% - 80%
Eligible Properties >1-4 unit Primary Residence
>1 unit Second Homes
>Condominiums
>Planned Unit Developments
>Manufactured Homes may be eligible for owner occupied properties. Please contact a Mortgage Consultant.
   

10 Year Fixed Rate JUMBO

Loan Term 10 Years
Prepayment Penalty None
Occupancy Requirement Owner Occupied
Number of Units 1-4 unit Primary Residence, 1 unit Second Home
Maximum Loan Amount View our current loan limits
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% - 70%
60% - 70%
60%
Eligible Properties >1-4 unit Primary Residence
>1 unit Second Homes
>Condominiums
>Planned Unit Developments
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Adjustable Rate Mortgages

LIBOR Adjustable Rate Mortgages

3/1 LIBOR ARM Conforming
Loan Term 30 Years
Prepayment Penalty None
Occupancy Requirement Owner Occupied
Number of Units 1-4 unit Primary Residence, 1 unit 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:		 75% - 95%
75% - 95%
65% - 80%
Margin 2.50%
Index 1 Year LIBOR
Eligible Properties >1-4 unit Primary Residence
>1 unit Second Homes
>Condominiums
>Planned Unit Developments
Manufactured Homes may be eligible for owner occupied properties. 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
Number of Units 1-4 unit Primary Residence, 1 unit Second Home
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% - 70%
60% - 70%
60%
Margin 2.50%
Index 1 Year LIBOR
Eligible Properties >1-4 unit Primary Residence
>1 unit Second Homes
>Condominiums
>Planned Unit Developments
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.
   

5/1 LIBOR ARM Conforming
Loan Term 30 Years
Prepayment Penalty None
Occupancy Requirement Owner Occupied
Number of Units 1-4 unit Primary Residence, 1 unit 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:		 75% - 95%
75% - 95%
65% - 80%
Margin 2.50%
Index 1 Year LIBOR
Eligible Properties >1-4 unit Primary Residence
>1 unit Second Homes
>Condominiums
>Planned Unit Developments
>Manufactured Homes may be eligible for owner occupied properties. 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
Number of Units 1-4 unit Primary Residence, 1 unit Second Home
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% - 70%
60% - 70%
60%
Margin 2.50%
Index 1 Year LIBOR
Eligible Properties >1-4 Family
>1 unit Second Homes
>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.
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