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The following examples represent a range of Conforming and Jumbo mortgage loans available through Loans4Less. Our rates are based on a minimum loan amount of $225,000 'No Points' and $250,000 'No Cost/No Fee'. Jumbo rates are based on a minimum loan amount of $500,000 'No Points' and $550,000 'No Cost/No Fee,' for first mortgage loans. Rates are applicable to owner-occupied first mortgage loans with 80% loan-to-value or less only. Payment amounts do not include impound/escrow for taxes and property insurance or PMI unless otherwise stated. 'No Points' means no Lender or Broker discount points and/or origination points. 'No Cost' or 'No Fees' means that Loans4Less will pay at Closing all non-recurring closing costs including escrow, sub escrow, title, appraisal, delivery/courier, tax service, flood certification, recording, wire, notary, Lender/Broker administration, processing, document preparation, underwriting, and application fees, if any. Borrower must pay recurring charges such as accrued interest, taxes, insurance and demand, reconveyance fees and/or PMI if applicable.
Interest Rates can change without prior notice. Ask us for current rate and program information. Borrowers and properties must qualify for all loans. Conditions and restrictions may apply.
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| LOAN TYPE |
RATE |
APR |
POINTS |
| Conforming 30 Year Fixed
360 payments of $1,330.96 |
5.875% |
5.920% |
0.000 |
| Conforming 30 Year Fixed
'No Cost/No Fee'
360 payments of $1,385.36 |
6.250% |
6.260% |
0.000 |
| Conforming 20 Year Fixed
240 payments of
Not Offered Today.
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| Conforming 15 Year Fixed
180 payments of $1,823.55 |
5.375% |
5.450% |
0.000 |
| Conforming 15 Year Fixed
'No Cost/No Fee'
180 payments of $2,092.80 |
5.875% |
5.886% |
0.000 |
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| Conforming 5/1 ARM
5.625% fixed rate for 5 years.
APR subject to increase or decrease after closing. |
5.625% |
4.573% |
0.000 |
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| Jumbo 30 Year Fixed
360 payments of $3,201.55 |
6.625% |
6.649% |
0.000 |
| Jumbo 30 Year Fixed
'No Cost/No Fee'
360 payments of $3,613.11 |
6.875% |
6.885% |
0.000 |
| Jumbo 15 Year Fixed
180 payments of $4,355.54 |
6.500% |
6.539% |
0.000 |
| Jumbo 15 Year Fixed
'No Cost/No Fee'
360 payments of $4,867.00 |
6.750% |
6.761% |
0.000 |
| Jumbo 5/1 LIBOR ARM
5.625% fixed rate for 5 years.
APR subject to increase or decrease after closing. |
5.625% |
4.551% |
0.000 |
Second Trust Deed HELOC.
Revolving Credit Line. Rate adjusts monthly with Prime Rate
'No Cost/No Fee'
5.250% for 1 month. 5.250% APR.
APR subject to increase or decrease after closing.
Maximum APR 18%.
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5.250% |
5.250% |
0.000 |
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Union Discount Mortgage, Inc. is licensed by the California Dept. of Real Estate, Real Estate Broker License Number 01166995. Union Discount Mortgage, Inc., a California Corporation dba Loans4Less is a wholly owned subsidiary of Loans4Less.com, Inc. a Delaware Corporation and is hereby advertised as Loans4Less.com/California.
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