PHIL'S CURRENT rATES
Rates are subject to change and don't apply to all scenarios depending on loan characteristics. Please contact Phil to confirm your exact rate options for your scenario. We look forward to helping you!
Product
Conventional 30 Yr
Conventional 15 Yr
FHA 30 Yr
FHA 15 Yr
VA 30 Yr
VA 15 Yr
VA 5 Yr ARM
Jumbo 30 Yr
Jumbo 5 Yr ARM
DSCR 30 Yr
DSCR 5 Yr ARM
Bank Statement 30
HELOAN 30 Yr
HELOAN 20 Yr
Rate* | APR
5.625% | 5.804%
5.125% | 5.613%
5.125% | 5.945%
4.875% | 5.794%
5.250% | 5.408%
4.750% |5.017%
4.750% |5.483%
5.875% | 6.131%
5.625% | 6.355%
5.875% | 6.127%
5.625% | 6.767%
6.125% | 6.280%
6.625% | 6.923%
5.875% | 6.254%
*These are our starting rates based on Purchase loans: 800 FICO, 80% LTV, Single Family Home, Owner Occupied occupancy. FHA is 3.5% down. DSCR is investment, 25% down, 0 year prepayment penalty. HELOC/HELOAN is $250,000 loan amount, <60% CLTV. VA 100% LTV with no Funding Fee
Last Updated: 03/07/2026
