Mortgage Interest Rates Today ****************************************************** And remember, If you are looking to buy or sell or Rent ( Residental, Commerial) pleas...e contact Sean Shirva...nion at 518-772-9005 or at SShirvanion@RealtyUSA for more information. ****************************************************** Learn more about Annual Percentage Rates (APR) and how they’re calculated. Loan Payment Examples Rates as of [07/12/2013] Product Rate Discount Origination APR Mo. Pmt per $1000 10YR Jumbo ARM - APR may increase after consummation 3.625% 1.000% 0.000% 3.672% 4.56 4.000% 0.000% 0.000% 3.824% 4.77 5YR ARM - APR may increase after consummation 2.375% 1.000% 0.000% 3.163% 3.89 2.875% 0.000% 0.000% 3.259% 4.15 3YR ARM - APR may increase after consummation 2.250% 1.000% 0.000% 3.261% 3.82 2.500% 0.000% 0.000% 3.238% 3.95 Conforming Fixed - 30 Year 4.375% 1.625% 0.000% 4.579% 4.99 4.500% 1.000% 0.000% 4.651% 5.07 4.625% 0.000% 0.000% 4.690% 5.14 Conforming Fixed - 20 Year 4.125% 1.625% 0.000% 4.403% 6.13 4.250% 1.000% 0.000% 4.455% 6.19 4.500% 0.000% 0.000% 4.588% 6.33 Conforming Fixed - 15 Year 3.375% 1.625% 0.000% 3.722% 7.09 3.500% 1.000% 0.000% 3.756% 7.15 3.750% 0.000% 0.000% 3.860% 7.27 Conforming Fixed - 10 Year 3.125% 1.750% 0.000% 3.651% 9.71 3.375% 1.000% 0.000% 3.743% 9.83 3.625% 0.000% 0.000% 3.782% 9.95 FHA - 30 Year Fixed 4.375% 1.000% 0.000% 4.969% 5.07 4.500% 0.000% 0.000% 5.010% 5.14 FHA - 15 Year Fixed 3.375% 1.000% 0.000% 4.078% 7.19 3.625% 0.000% 0.000% 4.181% 7.32 VA - 30 Year Fixed 4.625% 0.000% 0.000% 4.973% 5.31 VA - 15 Year Fixed 3.750% 0.000% 0.000% 4.340% 7.51 Jumbo - 30 Year Fixed 4.125% 1.750% 0.000% 4.337% 4.85 4.375% 1.000% 0.000% 4.525% 4.99 Jumbo - 20 Year Fixed 3.750% 1.750% 0.000% 4.038% 5.93 4.000% 1.000% 0.000% 4.203% 6.06 Jumbo - 15 Year Fixed 3.250% 1.750% 0.000% 3.615% 7.03 3.500% 1.000% 0.000% 3.756% 7.15 The rates presented above are indicative of the current rates for the purchase of a single-family, primary residence based on a 60-day rate lock period. These rates are not guaranteed and are subject to change without notice. This is not a credit decision or a commitment to lend. Your guaranteed rate will depend on various factors including loan product, credit profile, property value, occupancy, loan size, etc. Rates may also vary based on the state or region in which the financed property is located. To guarantee a rate, you must submit an application to U.S. Bank and receive confirmation from a mortgage loan officer that your rate is locked. Application can be made by calling 877-303-1639, or by meeting with a mortgage loan officer. Minnesota residents must receive a written confirmation as required by Minnesota Statute 47.2061. 1. This statement of current loan terms and conditions is not an offer to enter into an interest rate or discount point agreement. Any such offer may be made only pursuant to subdivisions 3 and 4 of Minnesota Statutes Section 47.206. ****************************************************** And remember, If you are looking to buy or sell or Rent ( Residental, Commerial) pleas...e contact Sean Shirva...nion at 518-772-9005 or at SShirvanion@RealtyUSA for more information. ****************************************************** Loan Product and APR Information Conforming rates are for loan amounts not exceeding $417,000 ($625,500 in AK and HI) Jumbo rates are for loan amounts exceeding $417,000 ($625,500 in AK and HI) Adjustable-rate loans and rates are subject to change during the loan term. That change can increase or decrease your monthly payment. Additional loan products, rates and lock periods are available. Conforming Fixed, ARM APR calculation assumes a $150,000 loan amount with a 20% down payment, estimated borrower paid finance charges of .75% of the loan amount plus discount and origination if applicable. If the down payment is less than 20%, mortgage insurance may be needed on the loan. This could increase the monthly payment and the APR. Jumbo Fixed APR calculation assumes a $500,000 loan amount with a 20% down payment, estimated borrower paid finance charges of .75% of the loan amount plus discount and origination if applicable. If the down payment is less than 20%, mortgage insurance may be needed on the loan. This could increase the monthly payment and the APR. FHA Loans Base loan amount assumed a 3.5% down payment. APR calculation assumes a $153,375 loan amount ($150,000 base loan amount plus $3,375 up-front mortgage insurance premium), estimated borrower paid finance charges of .75% of the loan amount, up-front mortgage insurance premium, monthly mortgage insurance, plus discount points and/or an origination fee may be charged, if applicable. The monthly principal and interest payment shown above does not include the FHA required monthly mortgage insurance payment. VA Loans Base loan amount assumed 100% financing. Actual loan amount assumed funding fee percentage based on veteran’s prior usage of entitlement. APR calculations assume a $154,950 loan amount ($150,000 base loan amount plus $4,950 VA Funding Fee), estimated borrower paid finance charges of .75% of the loan amount, VA Funding Fee, plus discount points and/or an origination fee may be charged, if applicable. ****************************************************** And remember, If you are looking to buy or sell or Rent ( Residental, Commerial) pleas...e contact Sean Shirva...nion at 518-772-9005 or at SShirvanion@RealtyUSA for more information. ******************************************************
Posted on: Sat, 13 Jul 2013 10:49:07 +0000
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