Conforming Rates

The below rates qualify for loan amounts up to $453,100 for rate term refinances and purchases with 740+ credit scores up to 75% loan to value.    Call for cash out refinance rates!

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Rates effective as of April 19, 2018.  Please call your loan officer or (215) 467-4300 for the most current rates.  P&I Payment shown below per $1,000 borrowed does not include amounts for taxes and insurance premiums, if applicable, the actual payment obligation will be greater.

Term Rate APR* Points

P&I Payment Per $1000

30 Year Fixed 4.500% 4.538% 0 5.07
20 Year Fixed 4.250%  4.301%  0 6.19
15 Year Fixed 4.000% 4.065% 0

7.40

10 Year Fixed 3.875% 3.968% 0 10.07
5/1 Year ARM 4.000% 3.308% 0 4.77

*APR (Annual Percentage Rate) is accurate as of the date above. Rates subject to change without notice. APR based on a loan amount up to $453,100 with a minimum credit score of 740.  Loan to value (LTV) not to exceed 75% for purchase money mortgages and rate and term refinances and 60% for cash out refinances.  For a $250,000 loan amount for 30 years at 4.125% monthly principal & interest payment would be $1,211.62; payments do not include amounts for taxes and insurance premiums, if applicable, the actual payment obligation will be greater.  Use the P&I Payment factors per $1,000 above for payment comparisons between products.  The rate and payment on the 5/1 ARM is fixed for 5 years and the rate and payment will vary annually after 5 years and the payment may increase. After the initial 5 year period the payment will be based on the One year treasury rate plus a margin of 2.75% (Fully indexed rate).  The fully indexed rate as of 1/24/18 would be 4.500% and would result in a principal and interest payment of $1,389.58.  Rates based on a single family owner occupied primary residence. Property Insurance required and Private Mortgage Insurance may be applicable depending on the LTV.  Rates based on our CRA lending area of Delaware, Montgomery and Philadelphia counties. (Other rates and terms available for other loan to values, credit scores and property types, please call or email us)  Subject to credit approval. Equal Housing Lender.

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