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DATE: January 26, 2012
Term |
Rate,% |
Fee,% |
Points,% |
APR,% |
3O YEAR - Up to 95% LTV* |
3.875 |
0.000 |
0.000 |
3.929 |
$75,000 AND ABOVE |
3.625 |
1.000 |
0.000 |
3.763 |
| UNDER $75,000 > $50,000 |
3.750 |
1.000 |
0.000 |
3.885 |
UNDER $50,000 |
3.750 |
1.000 |
0.000 |
3.915 |
*Conventional pricing is for borrowers with at least a 740 FICO credit score and Loan to Value (LTV) of 75% or less. |
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15 YEAR - 95% |
3.250 |
0.000 |
0.000 |
3.363 |
$75,000 AND ABOVE |
3.000 |
1.000 |
0.000 |
3.259 |
UNDER $75,000 > $50,000 |
3.000 |
1.000 |
0.000 |
3.259 |
UNDER $50,000 |
3.125 |
1.000 |
0.000 |
3.317 |
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ADJUSTABLE RATE |
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1 YEAR |
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5/1 ARM |
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JUMBO RATES: LOANS GREATER THAN $417,000.00 |
30 YEAR - 90% |
4.250 |
1.000 |
0.000 |
4.960
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15 YEAR - 90% |
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5/1 ARM |
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FHA FIXED RATES: |
| 30 YEAR |
3.750 |
1.000 |
0.000 |
4.504 |
15 YEAR |
3.000 |
1.000 |
0.000 |
3.644 |
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1 YEAR ARM |
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VA FIXED RATES: |
30 YEAR |
3.750 |
1.000 |
0.000 |
4.294 |
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KENTUCKY HOUSING CORPORATION |
FHA |
3.375 |
0.000 |
0.000 |
4.312 |
| VA |
3.375 |
0.000 |
0.000 |
3.640 |
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Annual Percentage Rate
The APR calculation for conventional loans is based on an 80% Loan to Value, 1% Loan Origination Fee, and approximately $300.00 in underwriting and flood certification fees. For FHA & VA loans, the APR is based on the maximum allowable loan to value, 1% loan origination fee and approximately $16.00 in flood certification fees. The estimated closing date is the first day of the month. Unless specified otherwise the loan amount is
$100,000.00.
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