Current Rates 
** Rates subject to change without notice. (Rates as of 05-08-08)
Mortgage Rates - Personal
Adjustable Rate Program
30 Year Maximum - Owner Occupied
Maximum Loan to Value 95% with PMI |
| Index: FHLB Mortgage Contract Rate Average - NO MARGIN |
| Rate |
APR |
Points |
Adjustment |
Caps |
| 5.000% |
5.914% |
0 |
1 Year |
1.50% Annual
5.50% Life of Loan |
| 4.750% |
5.757% |
1.00% |
1 Year |
1.50% Annual
5.50% Life of Loan |
| 5.250% |
6.003% |
0 |
3 Year |
3.00% Anniversary
5.00% Life of Loan |
| 5.000% |
5.847% |
1.00% |
3 Year |
3.00% Anniversary
5.00% Life of Loan |
| 5.500% |
6.113% |
0 |
5 Year |
5.00% Anniversary
5.00% Life of Loan |
| 5.250% |
5.958% |
1.00% |
5 Year |
5.00% Anniversary
5.00% Life of Loan |
|
|
| Rate |
APR |
Points |
Adjustment |
Caps |
| 4.500% |
5.691% |
3.00% |
1 Year |
1.50% Annual
5.50% Life of Loan |
| 4.750% |
5.783% |
3.00% |
3Year |
3.00% Anniversary
5.00% Life of Loan |
| 5.000% |
5.895% |
3.00% |
5Year |
5.00% Anniversary
5.00% Life of Loan |
| |
.
|
Fixed Rate Program Fannie MAE/MPF Eligible
1 & 2 Units Owner Occupied & Second Home / 3 & 4 Units Owner Occupied add.50% to listed Rates 95% Maximum Loan to Value with PMI
($500.00 Interest Rate lock Fee and a 1% Commitment Fee is refunded at settlement) * Maximum Loan Amount $417,000.00
|
| Rate |
APR |
Points |
Term |
| 6.000% |
6.003% |
0 |
30 Year |
| 5.625% |
5.904% |
3.00% |
30 Year |
| 5.750% |
5.755% |
0 |
20 Year |
| 5.250% |
5.748% |
3.00% |
20 Year |
| 5.500% |
5.506% |
0 |
15 Year |
| 5.000% |
5.468% |
3.00% |
15 Year |
|
| |
|
Fixed Rate Program
Owner Occupied
Maximum Loan to Value 95%-PMI
Maximum Loan Amount $417,000.00
|
| Rate |
APR |
Points |
Term |
| 5.500% |
5.506% |
0 |
15 Year |
| 5.375% |
5.534% |
1.00% |
15 Year |
| 5.000% |
5.468% |
3.00% |
15 Year |
| 5.750% |
5.754% |
0 |
30/15Yr Balloon |
| |
|
|
|
| 6.000% |
6.003% |
0 |
30 Year |
| 5.875% |
5.970% |
1.00% |
30 Year |
| 5.625% |
5.904% |
3.00% |
30 Year |
| 6.250% |
6.254% |
0 |
40/15Yr Balloon |
Jumbo Loans
$417,001 to $750,000 |
| Rate |
APR |
Points |
Term |
| 6.000% |
6.004% |
0 |
30/15 Yr Balloon |
| 6.500% |
6.504% |
0 |
40/15 Yr Balloon |
| 5.750% |
5.757% |
0 |
30/7 Yr Balloon |
| 5.875% |
5.881% |
0 |
15 Year |
| 6.250% |
6.254% |
0 |
30 Year |
| 5.750% |
5.845% |
1.00% |
30/15 Yr Balloon |
|
Multi-Family Mortgage Program
Owner Occupied 3-4 Units
Maximum Loan to Value 90% with PMI
|
|
One Year Adjustable Mortgage
|
| Rate |
6.000% |
| Floor |
6.000% |
| Points |
1.0% |
| APR |
7.021% |
| Index |
FHLB Mortgage Contract Rate Average |
| Caps |
1.50% Annual / 5.00% Life of Loan |
| Term |
25 year payout / 10year balloon |
| |
|
| Rate |
5.875% |
| Floor |
5.875% |
| Points |
1.00% |
| APR |
6.887% |
| Index |
FHLB Mortgage Contract Rate Average |
| Caps |
1.50% Annual / 5.50% Life of Loan |
| Term |
15 Years |
|
Fixed Rate Mortgage
|
| Rate |
6.500% |
| Points |
1.00% |
| APR |
6.663% |
| Term |
25 year payout / 15year balloon |
* Rates subject to change without notice. (Rates as of 05-08-08)
APR = ANNUAL PERCENTAGE RATE
**CONDOMINIUMS ARE EXEMPT FROM MPF RATES
Please call our Lending Department at 215-755-1500 for details. -
***INQUIRE ABOUT OUR FIRST TIME LOW INCOME HOMEBUYERS FHLB FIRST FRONT DOOR PROGRAM***
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