(Printing Paper Size: 8.5x14" Legal)
Mortgage Rate Sheet
7/23/2008
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 Conforming6.375%2.625%6.63%
6.500%1.875%6.69%
6.875%0.000%6.91%
30 Year Fixed Conforming 6.125%2.750%6.41%
6.250%2.000%6.46%
6.625%0.000%6.64%
30 Year Fixed InterestFirst 10/20 Conforming 6.500%2.500%6.76%
6.625%1.750%6.82%
6.750%1.250%6.90%
7.000%0.000%7.04%
20 Year Fixed Conforming6.000%2.625%6.35%
6.125%2.000%6.40%
6.250%1.375%6.44%
6.500%0.000%6.52%
15 Year Fixed Conforming5.625%2.125%5.98%
5.750%1.625%6.03%
5.875%1.125%6.08%
6.125%0.000%6.15%
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 Jumbo7.375%2.750%7.67%
7.500%2.000%7.72%
7.625%1.375%7.78%
7.750%0.750%7.84%
15 Year Fixed Jumbo7.000%1.625%7.29%
7.125%1.125%7.33%
7.250%0.625%7.37%
7.375%0.000%7.40%
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 Loan5.750%1.375%5.43%
5.875%1.000%5.44%
6.000%0.625%5.45%
6.375%0.000%5.53%
5/1 Interest First Adjustable Rate Loan 5.875%1.375%5.35%
6.000%1.000%5.40%
6.250%0.375%5.50%
6.500%0.000%5.59%
7/1 Adjustable Rate Loan6.000%1.875%5.69%
6.125%1.500%5.72%
6.375%0.750%5.78%
6.750%0.000%5.89%
7/1 Interest First Adjustable Rate Loan 6.125%1.875%5.58%
6.250%1.500%5.64%
6.500%0.750%5.77%
6.875% 0.000% 5.96%
 
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.