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Rates as of Wednesday, April 30, 2008
Product Description Points Interest Rate APR Payments Apply
Fixed Rate Mortgages
Fixed Rate Mortgage up to $ 500,000
Purchase
30 Yr Fixed/Purchase   0.000 5.975% 6.012% Show Payments
20 Yr Fixed/Purchase   0.000 5.875% 5.924% Show Payments
Refinance
30Yr Fixed/Refinance (Fresh Start Mortgage) **   0.000 6.125% 6.125% Show Payments
30 Yr Fixed/Refinance   0.000 5.975% 6.012% Show Payments
20 Yr Fixed/Refinance   0.000 5.875% 5.924% Show Payments
Fixed Rate Mortgage up to $ 417,000
Purchase
40 Yr Fixed/Purchase   0.000 7.000% 7.034% Show Payments
Refinance
40 Yr Fixed/Refinance (Fresh Start Mortgage) **   0.000 7.250% 7.250% Show Payments
40 Yr Fixed/Refinance   0.000 7.000% 7.034% Show Payments
Fixed Rate Mortgage up to $1,000,000
Purchase
30 Yr Fixed/Purchase   0.000 6.250% 6.288% Show Payments
15 Yr Fixed/Purchase   0.000 5.500% 5.561% Show Payments
10 Yr Fixed/Purchase   0.000 5.375% 5.462% Show Payments
Refinance
30 Yr Fixed/Refinance   0.000 6.250% 6.288% Show Payments
15 Yr Fixed/Refinance   0.000 5.500% 5.561% Show Payments
10 Yr Fixed/Refinance   0.000 5.375% 5.462% Show Payments
Stated Income Mortgage up to $ 417,000
30 Yr Fixed/Purchase
CALL FOR QUOTE   		0.000 0.000% 0.000% Show Payments
30 Yr Fixed/Refinance
CALL FOR QUOTE   		0.000 0.000% 0.000% Show Payments
15 Yr Fixed/Purchase
CALL FOR QUOTE   		0.000 0.000% 0.000% Show Payments
15 Yr Fixed/Refinance
CALL FOR QUOTE   		0.000 0.000% 0.000% Show Payments
Biweekly Mortgage up to $ 417,000
Purchase
30 Year
30 Yr Fixed/Purchase   0.000 6.000% 6.026% Show Payments
15 Year
15 Yr Fixed/Purchase   0.000 5.500% 5.553% Show Payments
Refinance
30 Year
30 Yr Fixed/Refinance   0.000 6.000% 6.026% Show Payments
15 Year
15 Yr Fixed/Refinance   0.000 5.500% 5.553% Show Payments
Affordable Housing Mortgage Programs
Fixed Rate Mortgage up to $ 417,000
MCM 97% 30 Yr/Purchase
CALL FOR QUOTE   		0.000 0.000% 0.000% Show Payments
MCM 97% 30 Yr/Refinance
CALL FOR QUOTE   		0.000 0.000% 0.000% Show Payments
MCM 100% 30 Yr/Purchase
CALL FOR QUOTE   		0.000 0.000% 0.000% Show Payments
MCM 100% 30 Yr/Refinance
CALL FOR QUOTE   		0.000 0.000% 0.000% Show Payments
First Time Homebuyers
ARM Mortgage up to $ 417,000
Purchase
10/1 Yr ARM/Purchase   0.000 6.000% 5.446% Show Payments
Adjustable Rate Mortgage Programs
ARM Mortgage up to $1,000,000
Purchase
3 Yr ARM
3/1 Yr ARM/Purchase   0.000 5.375% 4.645% Show Payments
5 Yr ARM
5/1 Yr ARM/Purchase   0.000 5.500% 4.828% Show Payments
7 Yr ARM
7/1 ARM/Purchase   0.000 5.750% 5.090% Show Payments
10 Yr ARM
10/1 Yr ARM/Purchase   0.000 6.000% 5.465% Show Payments
Refinance
3 YR ARM
3/1 Yr ARM/Refinance   0.000 5.375% 4.645% Show Payments
5 Yr ARM
5/1 Yr ARM/Refinance   0.000 5.500% 4.828% Show Payments
7 Yr ARM
7/1 ARM/Refinance   0.000 5.750% 5.090% Show Payments
10 Yr ARM
10/1 Yr ARM/Refinance   0.000 6.000% 5.465% Show Payments
Fixed Rate Home Equity Mortgage Programs
Fixed Rate Mortgages up to $ 500,000
20 Yr Fixed/Refinance   0.000 6.625% 6.625% Show Payments
15 Yr Fixed/Refinance   0.000 6.375% 6.375% Show Payments
10 Yr Fixed/Refinance   0.000 6.125% 6.125% Show Payments
5 Yr Fixed/Refinance   0.000 5.875% 5.875% Show Payments
Variable Rate Home Equity Mortgage Programs
HELOC Mortgage up to $ 200,000****
Variable 15 Year   0.000 5.500% 5.500% Show Payments
 
Annual Percentage Rate, Rate & APR's shown here are for single-family homes with a minimum down payment of 20%.  Mortgages with less than 20% down require private mortgage insurance and will result in higher Annual Percentage Rates and larger monthly payments.  All rates are subject to change without notice.  All loan products are subject to credit approval.
 
** Additionally, the Fresh Start Mortgage products are disclosed on the condition that future loan payments are made with a direct payment authorization.
 
****HELOC Mortgages.  Annual Percentage Rate, Rates & APR's are for owner-occupied properties at 80% Loan to Value Ratios.  Initial Interest Rate for the first month is the Prime Rate less 1.00% and can change every month thereafter according to the Prime Index Value as published in the Wall Street Journal.  Minimum interest rate during the term of the loan is 5.50% APR.  The maximum interest rate during the term of the loan is 16.00%.  All loan programs are subject to credit and approval.  APR 5.50% accurate as of 4/30/2008 and is subject to change without notice.

 


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429 Main Street,  Metuchen, NJ  08840-0431
732-548-7400  or contact us online


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