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Welcome to the Five Points Bank rates page. Complete an online application today!
Current posted rates are in effect as of 09/05/2008 11:38:26 AM Central Time.
Rates are subject to change without notice and may vary according to size of loan amount. Priced on a 60 day lock.
Maximum Conventional conforming loan amount is $417,000.
| 6.375% | 0.000% | 6.447% | 60 |
| 6.125% | 1.000% | 6.292% | 60 |
| 5.875% | 2.250% | 6.160% | 60 |
| The APR is calculated using a loan amount of $90,000 and these typical fees. |
| 6.250% | 0.000% | 6.344% | 60 |
| 6.000% | 1.000% | 6.219% | 60 |
| 5.750% | 2.000% | 6.094% | 60 |
| The APR is calculated using a loan amount of $90,000 and these typical fees. |
| 5.875% | 0.000% | 5.991% | 60 |
| 5.625% | 1.000% | 5.898% | 60 |
| 5.375% | 2.000% | 5.805% | 60 |
| The APR is calculated using a loan amount of $90,000 and these typical fees. |
| 6.750% | 0.000% | 6.824% | 60 |
| 6.500% | 1.000% | 6.671% | 60 |
| The APR is calculated using a loan amount of $90,000 and these typical fees. |
| 6.625% | 0.000% | 6.721% | 0 |
| 6.375% | 1.000% | 6.599% | 0 |
| The APR is calculated using a loan amount of $90,000 and these typical fees. |
| 6.250% | 0.000% | 6.369% | 60 |
| 6.000% | 1.000% | 6.277% | 60 |
| The APR is calculated using a loan amount of $90,000 and these typical fees. |
| 6.740% | 0.000% | 6.787% | 60 |
| 6.390% | 1.750% | 6.607% | 60 |
| The APR is calculated using a loan amount of $90,000 and these typical fees. |
| 7.380% | 1.750% | 7.611% | 60 |
| The APR is calculated using a loan amount of $90,000 and these typical fees. |
| 6.340% | 0.000% | 6.407% | 60 |
| 5.990% | 1.750% | 6.222% | 60 |
| The APR is calculated using a loan amount of $90,000 and these typical fees. |
| 6.980% | 1.750% | 7.227% | 0 |
| The APR is calculated using a loan amount of $90,000 and these typical fees. |
| 6.500% | 0.000% | 6.556% | 60 |
| 6.250% | 1.000% | 6.401% | 60 |
| 6.000% | 2.000% | 6.245% | 60 |
| The APR is calculated using a loan amount of $90,000 and these typical fees. |
Conventional Loan Indicator Score Fees and/or rate adjustments:
*** Indicator Scores – When LTV exceeds 60%, there will be additional fee or rate adjustment when credit score is below 720.
Credit Score ³680 and <720, LTV >60% - add .50% Disc. Pt or add .125% to rate.
Credit Score ³660 and <680, LTV >60 and £70% - add .50 Disc. Pt; LTV >70%- add 1.25% Disc. Pt or add .375% to rate.
Credit Score ³640 and <660, LTV>60 and £70% - add .50 Disc. Pt; LTV >70% - add 1.75% Disc. Pt or add .500% to rate.
Credit Score ³620 and <640, LTV>60 and £70% - add .75 Disc. Pt; LTV >70% - add 2.50% Disc. Pt or add .625% to rate.
Credit Score <620 LTV>60 and £70% - add .75 Disc. Pt; LTV >70% - add 2.75% Disc. Pt or add .75% to rate.
· Indicator Score Fees not applicable on 15yr fixed rate loans and NIFA first-time homebuyer loans.
Cash-out Refinances – Max. LTV is 85%, when LTV exceeds 80% minimum credit score of 680 is required.
- Disc. Pts and/or rate adjustments will be applicable and vary depending upon credit score and LTV. The fees will range from .125%-3% based upon credit score when the LTV is 60-90% on cash-out refinances.
Construction loans – Call for rates and terms. Secondary Financing – Subordinating an existing lien may have extra fee.
Investment properties- Call for rates and terms. Maximum LTV is 90%.
100% LTV financing is no longer available on Conventional loans.
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