January Rates

  • Rates  January 3rd , 2011

    Conventional 30 yr Fixed  –  4.75% no points

    Conventional 15 yr Fixed  –  4.25% no points

    Conventional 5/1 arm 3.375% no points

    Jumbo 5/1yr arm  – 4.25%

    FHA 96.5%- 4.625%  – 30 year fixed 

    VA 100%- 4.625% – 30 year fixed

    All conventional loan rates are based on a middle credit score of 740 or higher and a loan amount of $150k or higher on a primary residence purchase.  Max loan to value on all conventional loans is 95% due to mortgage insurance guidelines. (debt to income ratio is limited for mortgage insurance above 90% loan to value)   All rates based on purchase money mortgages for primary residences.

    Rates are subject to change based on market conditions and are intended to be used as a guide only.  For APR and up to the minute rates, please call for a rate quote.


    For more information on our loan programs or to make an application, please contact:


    Tyler Oden



    Office:  850 425-6716

    Fax:  850 425-6730

        Mobile: 850 294-6626

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