Monterey County Mortgage Guide

Current Lender Rates

DATE RATE * DISC/ORIG POINTS APR LOCK MIN / MAX PURCHASE / REFINANCE COMMENTS Sound Mortgage, Inc. | Email Company Info | Sample Fees Conforming 30-yr Fixed Calculate Payment 01/04/2011 4.625 * 0.000 / 0.000 4.701 30 175,000 / 417,000 Both View Comments 01/04/2011 4.500 * 0.000 / 0.500 4.625 30 175,000 / 417,000 Both View Comments Jumbo 30-yr Fixed Calculate Payment 01/04/2011 4.875   0.000 / 0.000 4.892 30 417,001 / 729,000 Both View Comments 01/04/2011 4.750   0.000 / 1.000 4.910 30 417,001 / 729,000 Both View Comments 01/04/2011 call         417,001 / 729,000 Both View Comments 01/04/2011 call         729,750 / 1,500,000 Both View Comments 01/04/2011 call         729,750 / 1,500,000 Both View Comments Conforming 15-yr Fixed Calculate Payment 01/04/2011 4.000 * 0.000 / 0.000 4.088 30 175,000 / 417,000 Both View Comments 01/04/2011 3.750 * 0.000 / 1.000 3.901 30 175,000 / 417,000 Both View Comments Jumbo 15-yr Fixed Calculate Payment 01/04/2011 4.250   0.000 / 0.000 4.303 30 417,001 / 729,750 Both View Comments 01/04/2011 4.000   0.000 / 1.000 4.201 30 417,001 / 729,750 Both View Comments 01/04/2011 call         417,001 / 729,750 Both View Comments 01/04/2011 call *       729,001 / 1,500,000 Both View Comments 01/04/2011 call         729,001 / 1,500,000 Both View Comments Conforming 20-yr Fixed Calculate Payment 01/04/2011 call         200,000 / 417,000 Both View Comments 01/04/2011 call         200,000 / 417,000 Both View Comments 01/04/2011 call         200,000 / 417,000 Both View Comments Jumbo 20-yr Fixed Calculate Payment 01/04/2011 call         417,001 / 4,000,000 Both View Comments 01/04/2011 call         417,001 / 4,000,000 Both View Comments 01/04/2011 call         417,001 / 4,000,000 Both View Comments Conforming 10-yr Fixed Calculate Payment 01/04/2011 call         200,000 / 417,000 Both View Comments 01/04/2011 call         200,000 / 417,000 Both View Comments 01/04/2011 call         200,000 / 417,000 Both View Comments Jumbo 10-yr Fixed Calculate Payment 01/04/2011 call         417,001 / 4,000,000 Both View Comments 01/04/2011 call         417,001 / 4,000,000 Both View Comments 01/04/2011 call         417,001 / 4,000,000 Both View Comments Conforming 1-yr ARM Calculate Payment 01/04/2011 call         200,000 / 417,000 Both View Comments 01/04/2011 call         200,000 / 417,000 Both View Comments 01/04/2011 call         200,000 / 417,000 Both View Comments Jumbo 1-yr ARM Calculate Payment 01/04/2011 call         417,001 / 4,000,000 Both View Comments 01/04/2011 call         417,001 / 4,000,000 Both View Comments 01/04/2011 call         417,001 / 4,000,000 Both View Comments Conforming 3/1 ARM Calculate Payment 01/04/2011 call         200,000 / 417,000 Both View Comments 01/04/2011 call         200,000 / 417,000 Both View Comments 01/04/2011 call         200,000 / 417,000 Both View Comments Jumbo 3/1 ARM Calculate Payment 01/04/2011 call         417,001 / 4,000,000 Both View Comments 01/04/2011 call         417,001 / 4,000,000 Both View Comments 01/04/2011 call         417,001 / 4,000,000 Both View Comments Conforming 5/1 ARM Calculate Payment 01/04/2011 call         175,000 / 417,000 Both View Comments 01/04/2011 call         200,000 / 417,000 Both View Comments 01/04/2011 call         200,000 / 417,000 Both View Comments Jumbo 5/1 ARM Calculate Payment 01/04/2011 call         417,001 / 1,500,000 Both N/A 01/04/2011 call         417,001 / 1,500,000 Both View Comments 01/04/2011 call         417,001 / 1,500,000 Both N/A Conforming 7/1 ARM Calculate Payment 01/04/2011 call         200,000 / 417,000 Both View Comments 01/04/2011 call         200,000 / 417,000 Both View Comments 01/04/2011 call         200,000 / 417,000 Both View Comments Jumbo 7/1 ARM Calculate Payment 01/04/2011 call         417,001 / 1,500,000 Both View Comments 01/04/2011 call         417,001 / 4,000,000 Both View Comments Conforming 10/1 ARM Calculate Payment 01/04/2011 call         200,000 / 417,000 Both View Comments 01/04/2011 call         200,000 / 417,000 Both View Comments 01/04/2011 call         200,000 / 417,000 Both View Comments Jumbo 10/1 ARM Calculate Payment 01/04/2011 call *       729,750 / 1,500,000 Both View Comments 01/04/2011 call *       729,750 / 1,500,000 Both View Comments 01/04/2011 call         417,001 / 4,000,000 Both View Comments

*Disc Pts = discount points which are fees paid to buy down the interest rate. Other closing costs may apply and vary from loan to loan. All brokers earn compensation for their services by either collecting origination fees from the borrower at closing or by a lender paid rebate in return for a higher interest rate, or a combination of the two. Contact each company for details.

Rates are based on a first mortgage loan for a single family owner-occupied residence with a downpayment of 20% for a conforming loan (loans up to $417,000) and 25% for a jumbo loan (loans more than $417,000) unless otherwise noted.  Rates are also based on a 720 credit score unless otherwise noted.  Other restrictions may apply and closing costs may vary widely among lenders. Contact each company for details.

APR = annual percentage rate which is calculated by each company and includes costs to obtain the loan and private mortgage insurance if required. Lock = rate lock period. ARM = adjustable rate mortgage. The APR on ARM loans is variable and is subject to change after consummation based on the index.  Payment = the monthly principal and interest payment based on the type of loan product selected, the loan amount selected and the interest rate shown. It does not include monthly escrow payments for items such as real estate taxes, homeowners’ insurance premiums, private mortgage insurance, etc. if applicable, and the actual payment oblligation will be greater. NMLS = Nationwide Mortgage Licensing System

Companies may pay a fee to advertise in this Guide. All rates are believed to be accurate but cannot be guaranteed and are subject to change without notice.  INFOTRAK, and all newspaper companies or newspaper related companies affiliated with this website, 1) are not in the business of providing or offering loans or related products or services, 2) receive these rates from third parties, 3) are not acting as agents on behalf of any lenders, 4) do not endorse or recommend or have any responsibility for any products or services offered by lenders, and 5) do not warranty the accuracy of any information contained herein. None of the above rates constitutes an offer. Please contact individual lending companies for details.

DOC# = Licensed by Department of Corporations DRE# = Licensed by CA Dept. of Real Estate, Real Estate Broker

     Equal Housing Opportunity

Home | Current Rates | Local Lenders | Email Lenders | Apply to Lenders
Mortgage Advice | Mortgage Calculators | Real Estate News | Articles

Information provided by: INFOTRAK National Data Services

About Us | Contact Us (Your Feedback is Welcome!)

Advertise in this guide

© 2013 INFOTRAK National Data Services, Inc. All Rights Reserved. Disclaimer | Privacy Policy