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Prosperity Mortgage
The mortgage rates apply only in certain conditions. The mortgage rates shown
on our Today's Rates page are the current rates for a single-family primary residence
based on 60-day lock.
Your loan's rate depends on several factors including financial market conditions,
specific characteristics of the loan transaction and your credit profile up to the
time of closing. For more information, please refer to the loan pricing disclosure.
Loan and APR Information for fixed-rate loans or adjustable-rate Loans. For more information please
read our general disclosures below.
Loan and APR Information for Fixed-rate Loans
|
as of 11/17/2011
12:29 PM Eastern
Interest Rate
Total Points
APR
Term
Estimated Additional
Prepaid Finance Charges
Sale Price
Down Payment
Origination &
Fee/Points
Upfront Mortgage &
Insurance Premium
Monthly Principal
& Interest Payment
|
Conforming
Hibal Conf Fix 30
4%
1
4.875%
30 yrs
$2,000
$781,875
20%
$4,170
N/A
$3,789
|
Conforming
Conf Fix 30
4%
1
4.335%
30 yrs
$2,000
$521,250
20%
$4,170
N/A
$2,489
|
Jumbo
Non Conf Fix 30
4.25%
1
4.683%
30 yrs
$3,300
$2,500,000
20%
$7,293
N/A
$12,298
|
FHA
FHA Conf Fix 30
3.75%
1
4.447%
30 yrs
$2,000
$432,124
3.5%
$4,170
1%
$2,001
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If the down payment is less than 20%, mortgage insurance may be needed on the loan.
This could increase the monthly payment and the APR.
Conforming – for loan amounts not exceeding $417,000 ($729,250 in designated high balance areas).
Jumbo – for loan amounts exceeding $417,000 ($729,250 in designated high balance areas).
Maximum Conforming FHA loan amounts may be lower than $417,000 in certain areas.
Loan and APR Information for Adjustable-rate Loans
|
as of 11/17/2011
12:29 PM Eastern
Interest Rate
Total Points
APR
Term
Estimated Additional
Prepaid Finance Charges
Sale Price
Down Payment
Initial Monthly Principal
& Interest Payment
Upfront Mortgage &
Insurance Premium
Time Initial Rate
is Fixed
Adjustment After Initial
Period Expires
Maximum Lifetime Caps
Over/Under Original Rate
Earliest year Maximum
Payment Could Apply
|
Conforming
Hibal Conf 5/1 ARM
2.75%
1
3.53%
30 yrs
$2,000
$781,875
20%
$3,089
N/A
5 Years
Annual
5%
6th
|
Conforming
Hibal Conf 10/1 ARM
3.375%
1
4.28%
30 yrs
$2,000
$781,875
20%
$3,457
N/A
10 Years
Annual
5%
11th
|
Conforming
Conf 10/1 ARM
3.25%
1
3.9627%
30 yrs
$2,000
$521,250
20%
$2,269
N/A
10 Years
Annual
5%
11th
|
Conforming
Conf 5/1 ARM
2.375%
1
3.228%
30 yrs
$2,000
$521,250
20%
$1,992
N/A
5 Years
Annual
5%
6th
|
FHA
FHA Conf 5/1 ARM
2.75%
1
3.504%
30 yrs
$2,000
$432,124
3.5%
$1,652
1%
5 Years
Annual
5%
10th
|
If the down payment is less than 20%, mortgage insurance may be needed on the loan.
This could increase the monthly payment and the APR.
For the FHA loan, a mortgage insurance payment has been added to the monthly principal
and interest payments displayed above.
At adjustment, your new mortgage rate on these ARMs will be the average weekly yield
on Treasury securities adjusted to a constant maturity of one year, plus a margin
of 2.75% (2.25% on the FHA 1-yr ARM), subject to annual and lifetime adjustment
caps.
Conforming – for loan amounts not exceeding $417,000 ($729,250 in designated high balance areas).
Jumbo – for loan amounts exceeding $417,000 ($729,250 in designated high balance areas).
Maximum Conforming FHA loan amounts may be lower than $417,000 in certain areas.
General Disclosures
- Information displayed is accurate as of the date of the latest update and is subject
to change without notice. Loan pricing can only be locked through a home mortgage
consultant. Other restrictions may apply.
- Due to various federal, state and local requirements, certain products may not be
available in all areas.
- The displayed Annual Percentage Rates (APRs) reflect the interest rates, total points,
and additional estimated pre-paid finance charges for the loan products shown, but
do not include other closing costs.
- For loans with less than 20% down payment borrower-paid mortgage insurance may apply.
(NOTE _ YOU ALREADY HAVE A SIMILAR DISCLOSURE)
- Mortgage rates shown are based on a 60-day lock for the purchase of a primary residence. Under certain circumstances, a 60-day rate lock may not be available.
- Mortgage rates displayed may include points as shown in the Assumptions table.
- These mortgage rates and rate-lock period apply only in certain conditions. Your loan's interest rate and rate-lock period will depend upon the specific characteristics of your loan transaction and your credit profile up to the time of closing.
- For more information, please refer to the Loan Pricing Disclosure or contact us.
Adjustable Rate Mortgages (ARMs)
- On adjustable-rate loans, interest rates are subject to potential increases over
the life of the loan, once the initial fixed-rate period expires.
- For conforming and jumbo ARM interest rates, at adjustment your new mortgage rate
will be the average of the Interbank offered rates for one-year, U.S. dollar-denominated
deposits in the London market (LIBOR) as published in the Wall Street Journal, plus
a margin of 2.25% subject to annual and lifetime adjustment caps. (NOTE: YOU HAVE
THIS DISCLOSURE AND CAN CONTINUE TO USE YOUR VERSION)
Jumbo
- These jumbo rates reflect a discount for meeting certain relationship criteria,
including having your mortgage payment made by preauthorized electronic funds transfer.
Jumbo rates may be higher for borrowers who do not meet these criteria but otherwise
qualify for a jumbo mortgage loan. Please contact your home mortgage consultant
for details regarding the relationship criteria or with any other questions
Mortgage Calculators
Need help crunching the numbers? Please select one of the many useful
mortgage calculators here to assist you with assessing your financial needs.
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