Rates have had some improvements over the last week.  It is a great time to do buy or refinance your loans now.

Conforming mortgage rates mentioned below are considered with loan amounts up to $417,000 for a single family residence and is owner occupied.  It is with proving your income and a "full document borrower".

The rates quoted are based on a purchase price of $400,000 on a 15-day lock. On these conforming loans, there are no prepayment penalties involved. The above figures are deemed reliable but not guaranteed. This advertisement is being provided for informational purposed only and is not to be construed as a loan commitment of any kind. Actual loan qualifying is subject to verification and approval of income, credit, property, appraisal and other factors. Rates, fees, and programs are subject to change at any time without prior notice. A detailed good faith estimate will be prepared upon your application for a loan.