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Mortgage Rates: As of February 01, 2012

Government Loans (FHA)
Rate
APR*
Est. Payment**
30-Year Fixed Rate
3.75%
4.621%
$4.70
15-Year Fixed Rate
3.50%
4.058%
$7.40
 
  • No Origination Fee
  • The minimum down payment required is 3.5% of the Sales Price.
  • The maximum loan amount is 97.75% LTV (Loan to Value) for refinanced mortgage loans.
  • The maximum loan amount is $320,850. (In some counties in Georgia the maximum loan amount may be lower.)
  • Minimum Credit Score of 640
Conventional Loans
Rate
APR*
Est. Payment**
30-Year Fixed Rate/Purchase
3.75%
3.944%
$4.63
20-Year Fixed Rate/Purchase
3.75%
4.020%
$5.93
15-Year Fixed Rate/Purchase
3.00%
3.338%
$6.91
10-Year Fixed Rate/Purchase
3.00%
3.490%
$9.66
30-Year Fixed Rate/Refinance
(No Cash Out)
3.75%
3.944%
$4.63
20-Year Fixed Rate/Refinance
(No Cash Out)
3.75%
4.020%
$5.93
15-Year Fixed Rate/Refinance
(No Cash Out)
3.00%
3.338%
$6.91
10-Year Fixed Rate/Refinance
(No Cash Out)
3.00%
3.338%
$9.66
30-Year Fixed Rate/Refinance
(With Cash Out)
3.875%
4.070%
$4.70
20-Year Fixed Rate/Refinance
(With Cash Out)
3.875%
4.146%
$5.99
15-Year Fixed Rate/Refinance
(With Cash Out)

3.125%

3.465%
$6.97
10-Year Fixed Rate/Refinance
(With Cash Out)

3.125%

3.617%
$9.71
 
  • The minimum down payment is 5% of the Sale Price.
  • The maximum loan amount is 80% to 95% LTV depending on transaction type.
  • Rates and APRs* shown are for loan amounts from $125,000 to $417,000 and are based on owner-occupied, single-family dwellings with an escrow account established. They include a 30-day interest rate lock-in period.
  • The APR* is calculated using a credit score of 740 and above. The APR* may vary for lower credit scores.
  • Interest rates may vary depending on the individual's credit history and underwriting factors.

*APR = Annual Percentage Rate. Rates are subject to change without notice.

**The amount shown can be used to estimate the Monthly Payment per $1,000 borrowed.