Fixed-Rate Mortgage Loans — Purchase and Refinance

Type Interest Rate Points Monthly Payment Per $1,000**** Monthly Payment Per $1,000
Type
30-year Fixed-Rate Mortgage - Conforming [1]
Interest Rate
6.000%
Points
0.000%
Monthly Payment Per $1,000****
6.104%
Monthly Payment Per $1,000
$6.00
Type
30-Year Fixed-Rate Mortgage - Jumbo
Interest Rate
6.000%
Points
0.000%
Monthly Payment Per $1,000****
6.054%
Monthly Payment Per $1,000
$6.00
Type
20-Year Fixed-Rate Mortgage - Conforming [1]
Interest Rate
5.625%
Points
0.000%
Monthly Payment Per $1,000****
5.758%
Monthly Payment Per $1,000
$6.95
Type
20-Year Fixed-Rate Mortgage - Jumbo
Interest Rate
5.625%
Points
0.000%
Monthly Payment Per $1,000****
5.692%
Monthly Payment Per $1,000
$6.95
Type
15-Year Fixed-Rate Mortgage - Conforming [1]
Interest Rate
5.500%
Points
0.000%
Monthly Payment Per $1,000****
5.666%
Monthly Payment Per $1,000
$8.17
Type
15-Year Fixed-Rate Mortgage - Jumbo
Interest Rate
5.500%
Points
0.000%
Monthly Payment Per $1,000****
5.583%
Monthly Payment Per $1,000
$8.17
Type
10-Year Fixed-Rate Mortgage - Conforming [1]
Interest Rate
5.375%
Points
0.000%
Monthly Payment Per $1,000****
5.472%
Monthly Payment Per $1,000
$10.79
Type
10-Year Fixed-Rate Mortgage - Jumbo
Interest Rate
5.375%
Points
0.000%
Monthly Payment Per $1,000****
5.472%
Monthly Payment Per $1,000
$10.79

Fixed-Rate-To-Adjustable-Rate Mortgages — Purchase and Refinance

Type First Trust Deed Interest Rate Points Annual Percentage Rate Lifetime Cap Monthly Payment Per $1,000*****
Type
3-Year Fixed-to-Adjustable-Rate Mortgage - Conforming [1]
First Trust Deed
30 years - Conforming
Interest Rate
5.250%
Points
0.000%
Annual Percentage Rate
6.003%
Lifetime Cap
10.250%
Monthly Payment Per $1,000*****
$5.52
Type
3-Year Fixed-to-Adjustable-Rate Mortgage - Jumbo
First Trust Deed
30 years - Jumbo
Interest Rate
5.250%
Points
0.000%
Annual Percentage Rate
6.140%
Lifetime Cap
10.250%
Monthly Payment Per $1,000*****
$5.52
Type
5-Year Fixed-to-Adjustable-Rate Mortgage - Conforming
First Trust Deed
30 years - Conforming
Interest Rate
5.375%
Points
0.000%
Annual Percentage Rate
5.932%
Lifetime Cap
10.375%
Monthly Payment Per $1,000*****
$5.60
Type
5-Year Fixed-to-Adjustable-Rate Mortgage - Jumbo
First Trust Deed
30 years - Jumbo
Interest Rate
5.375%
Points
0.000%
Annual Percentage Rate
6.035%
Lifetime Cap
10.375%
Monthly Payment Per $1,000*****
$5.60
Type
7-Year Fixed-to-Adjustable-Rate Mortgage - Conforming
First Trust Deed
30 years - Conforming
Interest Rate
5.500%
Points
0.000%
Annual Percentage Rate
5.908%
Lifetime Cap
10.500%
Monthly Payment Per $1,000*****
$5.68
Type
7-Year Fixed-to-Adjustable-Rate Mortgage - Jumbo
First Trust Deed
30 years - Jumbo
Interest Rate
5.500%
Points
0.000%
Annual Percentage Rate
5.981%
Lifetime Cap
10.500%
Monthly Payment Per $1,000*****
$5.68
Type
10-Year Fixed-to-Adjustable-Rate Mortgage - Conforming
First Trust Deed
30 years - Conforming
Interest Rate
5.625%
Points
0.000%
Annual Percentage Rate
5.899%
Lifetime Cap
10.625%
Monthly Payment Per $1,000*****
$5.76
Type
10-Year Fixed-to-Adjustable-Rate Mortgage - Jumbo
First Trust Deed
30 years - Jumbo
Interest Rate
5.625%
Points
0.000%
Annual Percentage Rate
5.936%
Lifetime Cap
10.625%
Monthly Payment Per $1,000*****
$5.76
Type
30-Year 5/5 Adjustable-Rate Mortgage - Conforming
First Trust Deed
30 years - Conforming
Interest Rate
5.375%
Points
0.000%
Annual Percentage Rate
5.856%
Lifetime Cap
10.375%
Monthly Payment Per $1,000*****
$5.60
Type
30-Year 5/5 Adjustable-Rate Mortgage - Jumbo
First Trust Deed
30 years - Jumbo
Interest Rate
5.375%
Points
0.000%
Annual Percentage Rate
5.959%
Lifetime Cap
10.375%
Monthly Payment Per $1,000*****
$5.60

Home Equity Loans - California (Second Mortgage)

Type Interest Rate Points Annual Percentage Rate2 Lifetime Cap Monthly Payment Per $1,000
Type
Home Equity Loan 15 Years Fixed
Interest Rate
6.125%
Points
0.000%
Annual Percentage Rate2
6.204%
Lifetime Cap
n/a
Monthly Payment Per $1,000
$8.51
Type
Home Equity Loan 20 Years Fixed
Interest Rate
6.250%
Points
0.000%
Annual Percentage Rate2
6.315%
Lifetime Cap
n/a
Monthly Payment Per $1,000
$7.31
Type
Adjustable-Rate Home Equity Loan
Interest Rate
6.500%
Points
0.000%
Annual Percentage Rate2
6.691%
Lifetime Cap
11.500%
Monthly Payment Per $1,000
$8.71

Home Equity Line of Credit (HELOC) - California

Type Interest Rate Annual Percentage Rate Lifetime Cap Monthly Payment Per $1,000
Type
Home Equity Line of Credit, California, owner-occupied
Annual Percentage Rate
7.250%
Lifetime Cap
7.250%
Lifetime Cap
18.000%
Monthly Payment Per $1,000
Minimum payment will equal finance charges (interest).