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| Conforming,
Jumbo Loan Programs & FHA / VA Programs(Conforming rates for loans under $322,700) |
| Conventional Program | Rates | APR |
| 30 yr fixed conforming | 5.125 | 5.319 |
| 15 yr fixed conforming | 4.500 | 4.827 |
| 3/1 Adjustable | 3.00 | 3.171 |
| FHA / VA Program | Rates | APR |
| 30 yr fixed | 5.250 | 5.445 |
| 15 yr fixed | 5.000 | 5.332 |
| Jumbo Program | Rates | APR |
| Jumbo rates for loans over $322,700 | ||
| 30 yr fixed jumbo | 5.500 | 5.617 |
| 15 yr fixed jumbo | 4.875 | 5.071 |
| Commercial Loan Programs |
| Collateral/Property | Spread | DSCR | LTV |
| multifamily/MHC | 160-245 | 1.20 | 80% |
| Retail - Anchored | 175-265 | 1.20 | 80% |
| Retail - Weak Anchored | 200-290 | 1.25 | 75% |
| Retail - Unanchored | 225-305 | 1.30 | 75% |
| Office | 175-265 | 1.20 | 80% |
| Industrial/Warehouse | 175-260 | 1.20 | 80% |
| Hotel - Limited Service | 270-350 | 1.50 | 70% |
| Hotel - Full Service | 235-310 | 1.35 | 75% |
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APRs are calculated based on a Conforming loan amount of $100,000, or a Jumbo loan amount of $400,000. Points/fees/rates may vary for different loan amounts. Rates are subject to change without notice
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2002 LendingAmerica.com |
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