The rates quoted on our homepage reflect rates for conforming loans, assuming good credit. If your credit is less than perfect, click here to learn how we can help. The conditions are as follows:

• Loan amount is $150,000
  
• Down payment is 20% of purchase
  
• This is a purchase of an Owner-occupied, Single-family property.
  
• There is no prepayment penalty
  
• Lock in period of 30 days
  
• 1% discount fee (points)
• Credit score of 640 or better
• Full income documentation