PC Home Loans- purchase and refinance loans-california

PC Home Loans

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Current Prime Rate is 3.25%

30 year Conforming fixed 4.7% 1 pt on a 45 day lock. APR 4.65%

20 year fixed conforming 4.25% 1 point 45 day lock 4.63% APR

15 year fixed conforming 3.75% 0 points 45 day lock 3.86% APR

NEW PRODUCT DU REFI PLUS ALLOWS UP TO 105% on Refinances without M.I. If you currently do not have M.I. Under 5% on 30 year fixed programs available.

Super/Conforming 2010/2011 Limit is 625,500 in Santa Cruz County. Check the link for your county limits

http://www.fhfa.gov/GetFile.aspx?FileID=134

Super/Conforming aka:High Balance Conforming rate 4.875% 0 points 4.965% APR

Equity Lines at starting at 4.5%

New loan modification programs outlined by FDIC http://www.fdic.gov/consumers/loans/loanmod/index.html

Based on rates as 07/29/11

Todays rates may differ

Prequalification Calculator

To get a sense of how much you may be able to borrow, fill in the form below and click on the calculate button. Please note that prequalification is different from a preapproval. Prequalification gives you an estimate of how much you may be able to borrow. Preapproval, on the other hand, indicates that you have been approved for a set loan amount prior to property selection.


Gross Monthly Income	$
Monthly Debt/Payments Include only loans that won't be paid off in 10 months	$
Loan Terms You Desire
Interest Rate %	%
Term	Years
Down Payment (% of Sales Price)	%
Expected Taxes & Insurance If you don't know what your property taxes and insurance will be, leave this section blank. We will estimate it for you. Otherwise, please enter your estimated taxes and insurance.
Yearly Property Tax	$
Yearly Property Insurance	$