Pre-qualifications
Determine which program is best for you based on your specific needs. Our experts can review your financial information and offer you a complimentary pre-qualification so that you may shop for your new home with confidence!
Download Aplication Now!
Download the mortgage application (2.5 MB), complete it and send it to us via e-mail to
or fax to (954) 724-1547 and a mortgage specialist will call you to complete the process.
Mortgage Rates
| Term |
Interest Rate |
Points |
APR* |
| 30 Year/Fixed |
5.000%
5.100% |
1.00
0.00 |
5.216%
5.226% |
| 15 Year/Fixed |
4.750%
4.850% |
1.00
0.00 |
5.119%
5.066% |
1 Year Adj. Rate
(15 Yr amort)** |
4.850%
| 0.00
| 3.674%
|
5 Yr/1 Yr Adj.
(30 Yr amort)** |
4.950%
| 0.00
| 3.974%
|
7 Yr/1 Yr Adj.
(30 Yr amort)** |
5.000%
| 0.00
| 4.205%
|
Home Equity Line of Credit
| Loan-to Value |
Interest Rate |
| < 80% LTV |
Prime Rate |
SPECIAL TERMS AVAILABLE FOR FIRST TIME HOME BUYERS
Single family owner occupied. Maximum loan-to-value ratio of 90%a. Loans with less than 20% down require private mortgage insurance.
Third party fees are subject to change without notice.
Interest rates are fixed for sixty days if rate lock is chosen at application. If float option is elected, interest rates will lock in 14 days prior to closing. A lock in fee of 0.50% of the loan amount will be charged for an extended lock period.
*Annual Percentage Rate (APR) based on a loan balance of $100,000. Included in the APR calculations are points, if any, interest, tax service fee of $95, estimated title settlement fees of $1,200.00, and estimated title wire/courier fees of $125.00.
**APR based on one year treasury index of 0.47% as of May 20, 2009. ARM products reflect an initial premium interest rate. These loans have no interest rate floors.
aFor a 90% loan-to-value, the maximum loan amount is $417,000, and requires a credit score of 720 or higher. For jumbo loans the maximum loan-to-value is 85%, with a maximum loan amount of $650,000.00 and requires a credit score of 720 or higher. Attached housing and condominiums are not eligible for these programs in Florida. Other restrictions apply. Call us for details.
RATES SUBJECT TO CHANGE WITHOUT NOTICE