Mortgages

Jumbo

Term	Rate	APR*
30 Year Fixed	5.875%	6.125%

Conventional

Term	Rate	APR*
30 Year Fixed	6.375%	6.575%
20 Year Fixed	6.000%	6.225%
15 Year Fixed	5.625%	5.825%
5/6 ARM	5.625%	5.825%
7/6 ARM	5.875%	6.075%
10/6 ARM	6.125%	6.325%

For details, visit Mortgage Center or Apply Now

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Home Equity Line of Credit

Loan Amount	Up to $250,000
Term	Up to 180 months
Rate	Variable

Other Terms

Rate can adjust monthly, but will never increase or decrease by more than 2% per year and is limited to a maximum interest rate of 10% greater than the initial rate. Minimum annual percentage rate is as low as Prime plus 0.50%. Loan offers a 10 year draw period and a 15 year repayment. Balloon payment due on any unpaid balance at maturity date. 80% LTV maximum. Property must be in California and owner occupied. Please consult your tax advisor for possible tax benefits. Rates subject to change. A Home Equity Line of Credit (HELOC) is a loan on your home and the amount of the loan is determined by the equity available.

*APR= Annual Percentage Rate. The rate provided is based on a loan amount of $500,000, owner-occupied, single-family, 1-unit dwelling, 80% LTV, and a FICO score of 740+. Qualifying rates may be based on a combination of your credit score, combined loan-to-value, amount financed, and other factors. Your actual rate may be higher than those shown based on information relating to those factors as determined after applying. Your final APR may vary based upon customary fees and closing costs, which are treatable as interest when calculating your final APR. Rates subject to change without notice. Adjustable Rate Mortgages are variable, and your Annual Percentage Rate (APR) may increase after the original fixed-rate period.