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6:24:26 AMThursday, December 18, 2008
RATES
CONFORMING 30 year fixed 4.625 apr 4.85
30 year fixed 5.00 apr 0.00
15 year fixed 4.75 apr 5.00
15 year fixed 5.25 apr 0.00
FHA-VA
30 year fixed 5.50 apr 5.95
15 year fixed 5.50 apr 5.95
JUMBO 30 year fix 6.75 apr 7.40
These rates are available only for a limited time and certain restrictions apply. No rate is guaranteed until it is locked. Based on loans 0f 125,000 or greater. Loans under 125,000 may have small rate increase.
Contact Info:
FIRST PREMIER
500 WEST MAIN
SUITE 204
BRANSON, MO 65616
417 332-0865
800 708-6570
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| 30 YEAR FIXED-RATE |
| 20 YEAR FIXED-RATE |
| 15 YEAR FIXED-RATE |
| 10 YEAR FIXED-RATE |
| 3/1 ADJUSTABLE RATE |
| 5/1 ADJUSTABLE RATE |
| 7/23 EXTENDABLE |
Rates last updated on Wednesday, May 18, 2005
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30 YEAR FIXED-RATE
30 YEAR FIXED-RATE MORTGAGE offers consistent monthly payments for the entire 30 years you have the mortgage. So if the market is good, you can benefit from locking in a lower rate for the full term of the loan.
Term: 30 years
Maximum Amount: $3,333,700
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| Rates | Points | APR |
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| 1.95% | 0.25% | 2.058% | | 5.625% | 1% | 5.829% |
| | You can benefit from locking in a lower rate for the full term of the loan. The best choice if you're looking for a long-trem, stable loan - for instance, if you're planning on staying in your house for some time. |
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20 YEAR FIXED-RATE
20 YEAR FIXED-RATE MORTGAGE allows you to make a consistent monthly payment throughout the 20 years you have the mortgage.
Term: 20 years
Maximum Amount: $300,700
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| | The shorter term means you pay the loan off more quickly, and therefore pay less interest. And you'll build equity faster than you would with a 30 year loan. (But remember the shorter term means higher payments, when compared to the 30 year fixed-rate mortgage.) |
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15 YEAR FIXED-RATE
15 YEAR FIXED-RATE MORTGAGE means consistent monthly payments for all 15 years you have the mortgage. By building equity even more quickly than with a 30 year or 20 year loan, and paying less interest, you'll save money in the long run.
Term: 15 years
Maximum Amount: $300,700
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| | It's an ideal option if you can handle the higher payments and if you'd like to have the loan paid off in a shorter period of time - for instance, if you plan to retire |
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10 YEAR FIXED-RATE
10 YEAR FIXED-RATE MORTGAGE means consistent monthly payment for all 10 years you have the mortgage. You build equity quickly therefore pay much less interest than the 15, 20 and 30 year loans
Term: 10 years
Maximum Amount: $300,700
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| | | It's an ideal option to retire loan quickly |
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3/1 ADJUSTABLE RATE
With a 3/1 ADJUSTABLE-RATE MORTGAGE, you'll have three years at the initial much lower fixed-rate, then the rate adjusts every year for the remaining life of the loan. Payment is amortized over the full loan term of 30 years.
Term: 30 years
Maximum Amount: $300,700
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| | A good choice if you expect to move or refinance in a relatively short period of time. But a much shorter fixed-rate means your interest rate (and therefore monthly payment) may begin to fluctuate after three years. |
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5/1 ADJUSTABLE RATE
A 5/1 ADJUSTABLE-RATE MORTGAGE means the initial rate remains fixed for the first five years or repayment, and then adjust every year thereafter. Payment is amortized over the full loan term of 30 years.
Term: 30 years
Maximum Amount: $300,700
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| | Remember that your rate and monthly payments may go up after only five years, so this choice is best if you're expecting to sell or refinance the property within that period. |
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7/23 EXTENDABLE
A 7/23 EXTENDABLE offers an initial rate that is fixed for the first seven years of repayment, than the rate can adjust one time and be fixed for the remaining life of the loan. Payment is amortized over the full loan term of 30 years.
Term: 30 years
Maximum Amount: $300,700
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| | Remember that the rate can be change only once at the end of seven year. The rate will be at the going rate at that time. |
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Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $333,700 with closing costs of $0. Jumbo Loans (whose maximum loan amount exceed $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $700,000 with closing costs of $0. Your actual APR may be different depending upon these factors.
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