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Our product line includes conforming loan products as well as portfolio loans. Our portfolio loans are based on
old fashion common sense lending and are designed to offer financing to good borrowers that don't fit in "The Box".

Organize Your Documents - Save time and avoid delays by having this information available when you meet with your lender:

  • Copy of Purchase Sales contract or Offer to Purchase and all addenda (signed by buyer and seller)
  • Past 2 years' tax returns and W-2s
  • Past 2 years' employment history
  • Last 3 consecutive paycheck stubs (5 if paid weekly)
  • Name, address and phone for past 2 years' residence(s) and landlord(s). Renters should bring evidence of 12 months' rent payments.
  • Last 3 months' statements for savings, checking, CD, money market accounts, etc.
  • Recent statement on retirement accounts (IRA, 401K, 403-B, Annuity, etc.)
  • Monthly payments and balances on all open accounts
  • Divorce decree (if applicable)
  • Bankruptcy schedules/Discharge papers (if applicable)
  • If you are NOT a US citizen, provide a copy of your green card (front & back). If you are NOT a permanent resident provide a copy of your H-1 or L-1 visa.
Account Title Rate Points APR* For every $1,000 borrowed, payment of principal & interest =
Conforming 15 Year Fixed 5.750% 0.000% 5.802% $8.32
Conforming 30 Year Fixed 6.500% 0.000% 6.532% $6.33
15 Year Fixed Super/Conforming 7.000% 1.500% 7.270% $9.19
30 Year Fixed Super/Conforming 7.125% 0.000% 7.141% $6.74

Rates effective as of 3/21/2023

* Annual Percentage Rate

Rate and terms are subject to change. This is not an offer to extend credit and is for informational purposes only.

APR is based on a $350,000 loan amount or a $750,000 loan amount for Super Conforming and Jumbo. APR for FHA includes upfront and monthly mortgage insurance premiums. Conforming rates are based on a purchase transaction, 30% equity,740 or better credit score and a single family owner occupied residence. Adjustable Rate mortgages are calculated based upon a 30 year amortization.

Rates, terms, and conditions are subject to change without notice. Rates on this page will not be honored at any time after a rate change.