Sorry for the silence....busy as a Beaver with no tail

A 6'6'" Realtor walks into my office and says, " Post some rates"

I post some rates....all 0 points as of 3/30/2009

Conforming 30 yr fixed - 4.75%
Conforming 20yr fixed – 4.75%
Conforming 15 yr fixed – 4.625%
Jumbo conforming 30 yr fixed (under 511k in CT ) – 4.875%

These rates are assuming the following:
720+ middle score
Full Doc
SFR (not condo or co-op)
No Cash out (on a refi)
O/O (owner occupied)
75% LTV or lower

Jumbo rates (over 511k in CT ).

The maximum loan to value is 80% up to 1mm and can go to 80% LTV up to 1.5mm for .125% higher in rate then what is showcased below.


5/1 ARM – 4.875% up to 1mm (5.0% up to 1.5mm and 5.25% up to 3mm)
5/1 ARM i/O – 5.125% up to 1mm (5.25% up to 1.5mm and 5.375% up to 3mm)
7/1 ARM – 5.125% up to 1mm (5.25% up to 1.5mm and 5.375% up to 3mm)
7/1 ARM I/O – 5.375% up to 1mm (5.50% up to 1.5mm and 5.625% up to 3mm)
10/1 ARM – 5.375% up to 1mm (5.50% up to 1.5mm and 5.625% up to 3mm)
10/1 ARM I/O – 5.625% up to 1mm (5.75% up to 1.5mm and 5.875% up to 3mm)
30 Yr fixed – 5.75% up to 1mm (5.875% up to 1.5mm and 6.0% up to 3mm)
30 YR Fixed I/O – 6.0% up to 1mm (6.125% up to 1.5mm and 6.25% up to 3mm)

Good stuff !