Today's Rates: July 03, 2009
Larger Loan Amounts in Eligible Areas. In federally designated metropolitan areas, qualified customers may be able to borrow up to $729,750 on conforming1 or FHA loans without paying the typical higher interest rates on jumbo loan amounts.

Be aware that mortgage rates can change without notice and apply only in certain conditions. The rates shown here assume that you're purchasing a single-family primary residence and include 1 origination point and a 60-day-lock.

Your loan's rate depends on several factors. Your final interest rate will vary based on financial market conditions, the specific characteristics of your loan transaction, as well as your credit profile up to the time of closing.

The Monthly Payments shown here don't include homeowners insurance or property taxes. Because these items are typically paid each month, it could increase the amount of your loan payment.

For the Conforming Loan, if the down payment is less than 20%, mortgage insurance may be required on the loan, which also increases your monthly payment and the APR shown here.

FHA loans require both an upfront and an annual mortgage insurance premium. The upfront fee is $3,062.50. The annual premium varies based on individual credit scores, your loan-to-value ratio and the loan term. For the FHA loan, a mortgage insurance payment has been added to the monthly principal and interest payment displayed above.
1 Conforming loan amounts for certain loan products have increased in federally designated metropolitan areas. Larger limits available in the state of Hawaii.