Mortgage Rates– short term rates creeping down– long term creeping up?

Rates July 27th, 2011 Conventional 30 yr Fixed  –  4.625% with .375 points  (4.75% giving
back .375 lender credit)
Conventional 15 yr Fixed  –  3.75% no points
Conventional 5/1- 2.99% no points
Jumbo 5/1yr arm – 3.875% no points
Jumbo 30 year fixed  – 4.75% no points
FHA 96.5%- 4.375%  – 30 year fixed  no points
VA 100%- 4.375% – 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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