For more information on products or rates not listed below, please Contact a Mortgage Specialist or call us toll-free at 800-788-0454.

Rates and payments quoted above are based on loans secured by property in the State of California. Rates and payments, closing costs and points vary by property location, loan type and individual borrower credit and income characteristics.

Mortgage Rates
30 Year Fixed RATE Interest Rate is the annual rate of interest on a loan, expressed as a percentage of 100 (i.e., 7% on $100,000 would be $7,000 per year in interest). POINTS Points are an upfront cash payment required by the lender as part of the charge for the loan, expressed as a percent of the loan amount; e.g., "2 points" means a charge equal to 2% of the loan amount. APR Down Payment is the portion of a property's purchase price that buyers must pay up-front with their own money.	15 Year Fixed RATE Interest Rate is the annual rate of interest on a loan, expressed as a percentage of 100 (i.e., 7% on $100,000 would be $7,000 per year in interest). POINTS Points are an upfront cash payment required by the lender as part of the charge for the loan, expressed as a percent of the loan amount; e.g., "2 points" means a charge equal to 2% of the loan amount. APR APR is a measurement used to compare different loans offered by competing lenders, which takes into account both the interest rate and closing fees.  15 Year Fixed to 2 Mil.  Assumptions Assumptions Loan Amount:  to $2,000,000 Loan to Value:  70% or less Credit Score:  760 or Higher Other Closing Costs:  $5,000 3.250% 1.000% 3.501% 3.500% 0.000% 3.586%  Important Loan Program Disclosures  15 Year Fixed to 1.5 Mil.  Assumptions Assumptions Loan Amount:  to $1,500,000 Loan to Value:  75% or less Credit Score:  760 or Higher Other Closing Costs:  $8,125 3.250% 1.000% 3.507% 3.500% 0.000% 3.592%  Important Loan Program Disclosures  15 Year Fixed to 1 Mil.  Assumptions Assumptions Loan Amount:  to $1,000,000 Loan to Value:  80% or less Credit Score:  760 or Higher Other Closing Costs:  $5,750 3.375% 1.000% 3.638% 3.625% 0.000% 3.722%  Important Loan Program Disclosures  15 Year Fixed to 625,000  Assumptions Assumptions Loan Amount:  to $625,000 Loan to Value:  80% or less Credit Score:  680 or Higher Other Closing Costs:  $7,000 3.000% 1.000% 3.304% 3.250% 0.000% 3.463%  Important Loan Program Disclosures  15 Year Fixed to 417,000  Assumptions Assumptions Loan Amount:  to $417,000 Loan to Value:  80% or less Credit Score:  680 or Higher Other Closing Costs:  $3,120 2.875% 1.000% 3.186% 3.125% 0.000% 3.270%  Important Loan Program Disclosures  15 Year Fixed to 417,000  Assumptions Assumptions Loan Amount:  to $417,000 Loan to Value:  70% or less Credit Score:  760 or Higher Other Closing Costs:  $3,337 2.750% 1.000% 3.053% 3.000% 0.000% 3.155%  Important Loan Program Disclosures	Various Loan Programs RATE Interest Rate is the annual rate of interest on a loan, expressed as a percentage of 100 (i.e., 7% on $100,000 would be $7,000 per year in interest). POINTS Points are an upfront cash payment required by the lender as part of the charge for the loan, expressed as a percent of the loan amount; e.g., "2 points" means a charge equal to 2% of the loan amount. APR APR is a measurement used to compare different loans offered by competing lenders, which takes into account both the interest rate and closing fees.  20 Year Fixed to 417,000  Assumptions Assumptions Loan Amount:  to $417,000 Loan to Value:  70% or less Credit Score:  760 or Higher Other Closing Costs:  $351 3.250% 1.000% 3.568% 3.375% 0.000% 3.578%  Important Loan Program Disclosures  20 Year Fixed to 417,000  Assumptions Assumptions Loan Amount:  to $417,000 Loan to Value:  70% or less Credit Score:  760 or Higher Other Closing Costs:  $351 3.250% 1.000% 3.568% 3.375% 0.000% 3.578%  Important Loan Program Disclosures  10 Year Fixed to 417,000  Assumptions Assumptions Loan Amount:  to $417,000 Loan to Value:  75% or less Credit Score:  740 or Higher Other Closing Costs:  $- 170 2.750% 0.000% 3.002% 2.750% 1.000% 3.060%  Important Loan Program Disclosures  10 Year Fixed to 417,000  Assumptions Assumptions Loan Amount:  to $417,000 Loan to Value:  80% or less Credit Score:  640 or Higher Other Closing Costs:  $3,562 2.750% 1.000% 3.015% 3.375% 0.000% 3.513%  Important Loan Program Disclosures  5/1 ARM to 2 Mil.  Assumptions Assumptions Loan Amount:  to $2,000,000 Loan to Value:  75% or less Credit Score:  760 or Higher Other Closing Costs:  $8,340 3.875% 1.000% 3.166%  Important Loan Program Disclosures

Mortgage rates are subject to change without notice at any time until you have locked a loan. Actual rate and payment will vary based on your specific situation. Some products may not be available based on your specfice situation. Some restrictions may apply.

*Notice Regarding Adjustable Rate Mortgages: Interest is fixed for a set period of time, and adjusts periodically thereafter. At the end of the fixed rate period, the interest and monthly payments may increase.

**Notice Regarding Interest Only Mortgages Interest only loans provide for payment of interest only for a set period of time, and payment of principal and interest for the remainder of the loan term. Interest only payments do not reduce principal. At the end of the interest only period, your monthly payment will increase, possible substantially, because you will be required to pay down the outstanding principal and all accrued interest.