Rates back down again!

      Rates July 14th, 2011

      Conventional 30 yr Fixed  –  4.5% no points

      Conventional 15 yr Fixed  –  3.75% no points

      Conventional 5/1 3.375% no points

      Jumbo 5/1yr arm  – 3.875% no points

      Jumbo 30 year fixed  – 4.75% no points

      FHA 96.5%- 4.25%  – 30 year fixed  no points

      VA 100%- 4.25% – 30 year fixed no points

      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.  All rates based on purchase money mortgages for primary residences.  Jumbo loans are loan amounts over $417k with 20% down minimum. 

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

      For Apr example calculations—please visit



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


      Tyler Oden



      NMLSR# 659664

      Office:  850 425-6716

      Fax:  850 425-6730

              Mobile: 850 294-6626


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