Interest Rate Advisory (Fed Statement): 09/21/11

Below are today's interest rates for RPM's loan programs. For specific pricing on your scenario, or to get pre-approved without obligation for any of these loan products below, you can:

• Call 877-270-5959.
• Click on the link HERE.
• E-mail rspinosa@rpm-mtg.com.

To learn more about the loan process and get fast answers to some of the most common home finance questions, you can view Rob's short, educational videos on YouTube by clicking HERE.

All pricing below is at 0 points unless otherwise noted.

Conforming Loans (up to $417,000)

30-Year Fixed
Rate: 4.000%  3.875%
APR: 4.024%  3.899%

15-Year Fixed
Rate: 3.250%
APR: 3.284%

7/1 ARM
Rate: 3.250%
APR: 3.462%

5/1 ARM
Rate: 2.875%
APR: 3.163%

FHA Loans (96.5% Financing)

FHA 30-Year Fixed
Rate: 4.000%  3.750%
APR: 4.564%  4.394%

Jumbo Conforming Loans (max amounts per County limit)

30-Year Fixed
Rate: 4.250%  4.125%
APR: 4.274%  4.149%

15-Year Fixed
Rate: 3.375%  3.125%
APR: 3.409%  3.385%

5/1 ARM
Rate: 3.375%
APR: 3.570%

Traditional Jumbo Loans (above $625,500 or County limit)

30-Year Fixed
Rate: 4.750%
APR: 4.774%

15-Year Fixed
Rate: 4.000%
APR: 4.034%

10/1 ARM (I/O option avail.)
Rate: 4.250%
APR: 4.537%

5/1 ARM (I/O option avail.)
Rate: 3.375%
APR: 3.582%

Assumptions

• 30-day rate lock.
• Debt ratio less than 45%.
• Fully documented income.
• FICO score of 760 or greater.
• Loan-to-value of 70% or less.
• Primary home, PURCHASE TRANSACTION.
• Other programs available upon request, just ask!

Robert J. Spinosa Home Loan Professional DRE: 01297944 NMLS: 22343 591 Redwood Hwy. Suite 1150 Mill Valley, CA 94941 877.270.5959 Toll Free 415.367.5959 Cellular 415.366.1590 eFax rspinosa@rpm-mtg.com