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

FHA 30 Yr

VA 30 Yr

Jumbo 30 Yr

Jumbo ARM

DSCR

Bank Statement

HELOC

HELOAN

Rate* | APR

6.5% | 6.701%

5.75% | 6.518%

5.75% | 5.870%

6.75% | 6.875%

6.50% | 6.622%

7.125% | 7.334%

7.00% | 7.21%

7.50% | 7.765%

7.75% | 7.978%

*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, 1 year prepayment penalty. HELOC/HELOAN is $250,000 loan amount, <60% CLTV. HELOC rate includes a $5,000 deposited with the bank for .25% credit to rate, can also lower another .5% in rate by setting up a CD for 11 months with a minimum balance of $50,000.

Last Updated: 11/07/2024

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