Rates are back under 5%!

  February 24th, 2011      

Conventional 30 yr Fixed  –  4.875% no points

Conventional 15 yr Fixed  –  4.125% no points

Conventional 5/1 arm 3.75% no points

Jumbo 30yr fixed  – 5.875%

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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