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       May 17, 2008
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Mortgage Rate Sheet
5/16/2008
All rates and points are subject to change at any time.
Certain rate and/or point adjustments may apply depending on loan features
Today's rates are posted on this page between 10:30-11:00AM PST.
All rates quoted assume a 30 day rate lock. Longer rate lock periods are available.
 
Conforming Fixed Rate Loan Programs - Loan Amounts to $417,000
Annual Percentage Rate (APR) based on a loan amount of $417,000
Loan ProgramRatePointsAPR
40 Year Fixed Conforming5.625%2.750%5.87%
5.750%1.875%5.93%
6.125%0.000%6.16%
30 Year Fixed Conforming 5.375%2.250%5.60%
5.500%1.500%5.65%
5.875%0.000%5.89%
30 Year Fixed InterestFirst 10/20 Conforming 5.750%2.500%5.99%
5.875%1.750%6.06%
6.000%1.125%6.13%
6.250%0.000%6.29%
20 Year Fixed Conforming5.125%3.125%5.53%
5.250%2.250%5.55%
5.375%1.250%5.55%
5.625%0.000%5.64%
15 Year Fixed Conforming4.875%1.750%5.17%
5.000%1.250%5.22%
5.125%0.875%5.28%
5.375%0.000%5.40%
Contact FPCU today for a "No Cost" loan, where FPCU will pay the closing costs and fees on your behalf!
 
Jumbo Fixed Rate Loan Programs - Loan Amounts from $417,001 - $2,000,000
Annual Percentage Rate (APR) based on a loan amount of $500,000
Loan ProgramRatePointsAPR
30 Year Fixed Jumbo7.000%1.125%7.13%
7.125%0.625%7.20%
7.250%0.125%7.28%
7.375%0.000%7.39%
15 Year Fixed Jumbo6.875%0.750%7.02%
7.000%0.500%7.10%
7.125%0.125%7.17%
7.250%0.000%7.27%
Contact FPCU today for a "No Cost" loan, where FPCU will pay the closing costs and fees on your behalf!
 
Adjustable Rate Programs
Annual Percentage Rate (APR) based on a loan amount of $417,000
Loan ProgramRatePointsAPR
5/1 Adjustable Rate Loan4.625%1.500%4.85%
4.750%1.125%4.86%
4.875%0.750%4.88%
5.250%0.000%4.94%
5/1 Interest First Adjustable Rate Loan 4.750%1.625%4.78%
4.875%1.125%4.82%
5.125%0.375%4.91%
5.375%0.000%5.01%
7/1 Adjustable Rate Loan4.750%2.125%4.95%
4.875%1.750%4.98%
5.125%0.875%5.03%
5.500%0.000%5.12%
7/1 Interest First Adjustable Rate Loan 4.875%2.250%4.84%
5.000%1.750%4.90%
5.250%0.875%5.02%
5.625% 0.000% 5.20%
 
First Mortgage purchase or refinance loans are available in California, Colorado and Michigan
For additional interest rate quotes and/or feature-based pricing adjustments contact a Mortgage Loan Counselor.

Loan Rate or Point Adjustments
Point Adjusments are added to Points
 
Conforming
Loan Feature Disc. Adj.
Investment <=75% +1.50
Investment 75.01-80% +2.00
Investment 80.01-90% +2.50
Cash-out Refi 70.01 - 80% +.50
Cash-out Refi 80.01 - 90% +.75
2 Units 75.01-95% +.50
Owner Occ, 3-4 Unit<=80% +.75
No cost/No points Options
Consult pricing representative for additional rebate options.
Mortgages w/Subordinate Financing
LTV/CLTV Range Disc. Adj.
65.01 -95% / 90.01-100% +.25
Extended Lock Period
Each 15 Day Extension - Increase Rate .125%
Jumbo
Fixed Rate Programs
Loan Feature Disc. Adj.
FICO > 720 -0.125 
FICO 660-679 +.375
FICO 620-659 +.500
LTV 80.01-90 +.25
LTV 90.01-95 +.50
CTLV 90.01-95 +.125
Cash Out Refinance +.25
Loan Amt >$800K - $1 Mil +.25
Loan Amt $1 Mil - $1.5 Mil +.75
Loan Amt $1.5 Mil - $2 Mil +1.00
Condo <=4 Stories +.25
Condo > 4 Stories +.375
2 Unit +.125
3 & 4 Unit +.50
Second Home +.375
Adjustable Rate Programs
Loan Feature Disc. Adj.
FICO > 720 -0.250
FICO 660-679 +.25
LTV 75.01-80 +.125
LTV 80.01-90 +.25
LTV 90.01-95 +.375
CTLV 90.01-95 +.125
CTLV 95.01-100 +.375
Cash Out Refinance +.25
Loan Amt >$800K - $1 Mill +.25
Loan Amt $1 Mil - $1.5 Mil +.50
Loan Amt $1.5 Mil - $2 Mil +.75
Condo <=4 Stories +.125
Condo > 4 Stories +.25
2 Unit +.125
3 & 4 Unit +.50
Second Home +.375
 
Home Loan Programs are available in California, Colorado, and Michigan. For additional interest rate quotes and/or feature-based pricing adjustments e-mail or call us at 800.950.7328.