Date: 
  
 
  
Lending Limit for SFR $417,000
 


 

  
Interest Rates change with market conditions and may change without notice
 


 

  
 OWNER OCCUPIED - Fixed Rates
  
 
  
 
 


 

  
Term
  
Rate
  
Point
  
APR (2)
  
Payment (1)
  
 
	
  
 
  
 
  
 
  
 
  
 
 
 

  
30 Year
  
5.625%
  
0.000
  
5.685%
  
(1,151.31)
  
 
	
  
 
  
 
  
 
  
 
  
 
 
 

  
 
  
5.125%
  
1.000
  
5.273%
  
(1,088.97)
  
 
  
 
  
 
  
 
  
 
  
 
 
 

  
15 year
  
4.875%
  
1.000
  
5.128%
  
(1,568.59)
  
 
  
 
 



 

  
CONSTRUCTION LOANS
						 		
		             

  
 
  
LOT LOANS

                     
 


 

  
Term
  
Rate
  
Point
  
APR (2)
  
 
  
Term
  
Rate
  
Point
  
APR (2)
 

  
12 Month
  


Floating
  

  

  
 
  
3 Year Term
  

  

  

 
 

 
 

  
12 Month
  

Fixed 
  

  

  
 
  
Maximum LTV 75% of purchase price or appraised value if owned more than 1 year.

  
 

 
	
    OTHER CONSTRUCTION LOANS ARE AVAILABLE

       RATES AND ASSOCIATED FEES VARY.
								
	Administration Fee $755   Processing Fee $350

										
	Appraisal Fee must be collected prior to ordering appraisal.
										
	Loans over 80% LTV require PMI (private mortgage insurance) which will increase costs.


	

	 
Payment based on principal & interest on a $200,000 loan amount and is a monthly payment for each month of the term.
											
	 
APR based on loan amount of $200,000, fully financed less those fees considered pre paid finance charges.
											
	
	
These pre-paid items are: Points and Processing, Administration Fee which includes, Documents, Underwriting,Credit Report,
 Tax Service and Flood Certification fees. 

											
	
											
												
	Teresa A. Sims
										
	VP, Director of Mortgage Banking
											
	402 "G" Street	
										
	Eureka, CA, 95501	
										
	PH: 707-444-9850, FAX: 707-444-9801
											
	Cell: 707-499-2691