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| 30 Year Conf Fixed |
| 20 Year Conf Fixed |
| 15 Year Conf Fixed |
| 10 Year Conf Fixed |
| 3/1 ARM Conf |
| 5/1 ARM Conf |
| 7/1 ARM Conf |
| 10/1 ARM Conf |
| 30 Year Super Conf Fixed |
| 15 Year Super Conf Fixed |
| 3/1 ARM Super Conf |
| 5/1 ARM Super Conf |
| 7/1 ARM Super Conf |
| 30 Year Jumbo to $1M |
| 15 Year Jumbo to $1M |
| 3/1 ARM Jumbo to $1m |
| 5/1 ARM Jumbo to $1m |
| 7/1 ARM Jumbo to $1m |
| 30 Year Super Jumbo to $2M |
| 15 Year Super Jumbo to $2M |
| 3/1 ARM Super Jumbo to $2M |
| 5/1 ARM Super Jumbo to $2M |
| 7/1 Year Super Jumbo to $2M |
Rates last updated on Tuesday, June 21, 2011
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30 Year Conf Fixed
Should you pay points on your 30 year fixed rate loans? Borrowers who go for long term fixed rate loans are usually looking for a loan they can keep for the "long haul". They want the security of a rate that won't change so they can concentrate on paying down their principal and owning their home "free and clear". Paying points up front lowers the interest rate for the entire 30 years and saves thousands of dollars in interest. Is paying up front points right for you? Call Richard at (800) 808-0388 and find out. We will calculate your "break even" period for you and explain how you can use this information to make the right choice. Give us a chance to help you and you'll learn why nobody does fixed rate loans better than Western Lending.
Term: 30 years
Maximum Amount: $417,000
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| Rates | APR | Points |
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| 4.375% | 4.489% | 1% |
| 4.5% | 4.528% | 0% |
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If you're serious about paying off your home and you have the determination to stick to your goal the 30 year fixed rate loan may be just what the doctor ordered!
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20 Year Conf Fixed
Want the thousands of dollars of savings you get on a fifteen year loan but don't like the higher payment? The twenty year fixed rate loan may be the perfect compromise!. With payments not much higher than a thirty year fixed the twenty year fixed will save you almost as much in interest as the fifteen year loan.
Should you pay points on your 20 year fixed rate loan? Borrowers who go for long term fixed rate loans are usually looking for a loan they can keep for the "long haul". They want the security of a rate that won't change so they can concentrate on paying down their principal and owning their home "free and clear". Paying points up front lowers the interest rate for the entire 20 years and saves thousands of dollars in interest. Is paying up front points right for you? Call Richard at (800) 808-0388 and find out. We will calculate your "break even" period for you and explain how you can use this information to make the right choice. Give us a chance to help you and you'll learn why nobody does fixed rate loans better than Western Lending.
Term: 20 years
Maximum Amount: $417,000
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| Rates | APR | Points |
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| 4.375% | 4.531% | 1% |
| 4.5% | 4.538% | 0% |
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Our twenty year fixed rate loan is just the ticket to knock ten years and thousands of dollars of interest off the cost of a thirty year loan
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15 Year Conf Fixed
Possibly the "smartest" loan in the industry the fifteen year fixed rate loan pays itself down in half the time of a thirty year fixed rate loan with nowhere near double the monthly payment.
Should you pay points on your 15 year fixed rate loan? Borrowers who go for long term fixed rate loans are usually looking for a loan they can keep for the "long haul". They want the security of a rate that won't change so they can concentrate on paying down their principal and owning their home "free and clear". Paying points up front lowers the interest rate for the entire 15 years and saves thousands of dollars in interest. Is paying up front points right for you? Call Richard at (800) 808-0388 and find out. We will calculate your "break even" period for you and explain how you can use this information to make the right choice. Give us a chance to help you and you'll learn why nobody does fixed rate loans better than Western Lending.
Term: 15 years
Maximum Amount: $417,000
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| Rates | APR | Points |
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| 3.75% | 3.946% | 1% |
| 3.875% | 3.923% | 0% |
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If you're really serious about paying your home off and owning it free and clear this is the loan for you!
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10 Year Conf Fixed
If the Fifteen year fixed is the "smartest" loan in the industry then the Ten year fixed has to be the "boldest". For very little more than the amount of the fifteen year loan payment you can pay the entire loan off in only ten years.
Should you pay points on your 10 year fixed rate loan? Borrowers who go for long term fixed rate loans are usually looking for a loan they can keep for the "long haul". They want the security of a rate that won't change so they can concentrate on paying down their principal and owning their home "free and clear". Paying points up front lowers the interest rate for the entire 10 years and saves thousands of dollars in interest. Is paying up front points right for you? Call Richard at (800) 808-0388 and find out. We will calculate your "break even" period for you and explain how you can use this information to make the right choice. Give us a chance to help you and you'll learn why nobody does fixed rate loans better than Western Lending.
Term: 10 years
Maximum Amount: $417,000
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| Rates | APR | Points |
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| 3.75% | 4.034% | 1% |
| 3.875% | 3.945% | 0% |
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If you want to own your home free and clear in not much longer than it takes to pay off your car then the ten year fixed rate loan is the "Power loan" for you!
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3/1 ARM Conf
Want the security of a fixed rate loan but only plan on being in the house three years or less? The 3 year fixed could be the way to go. This loan is amortized (scheduled) over thirty years with low fixed rate for the first 3 years. This allows the lender to give you a low rate and the lowest payment available with NO NEGATIVE AMORTIZATION! you save money every month! Is the 3 year fixed rate loan right for you? Call Richard at (800) 808-0388 and let us help you make the right choice.
Term: 30 years
Maximum Amount: $417,000
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| Rates | APR | Points |
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| 3% | 3.128% | 1% |
| 3.125% | 3.076% | 0% |
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3 year fixed rate loans are the perfect loan for borrowers who want the security of a fixed rate and the lowest possible payment with NO NEGATIVE AMORTIZATION. Need an even lower payment? Call and talk to Richard at (800) 808-0388 about our interest only option. You may be surprised at how low you can get your payments with NO NEGATIVE AMORTIZATION.
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5/1 ARM Conf
Want the security of a fixed rate loan but only plan on being in the house five years or less? The 5/1 interest only A.R.M. could be the way to go. This loan is amortized (scheduled) over thirty years with low interest only payments for the first 5 years. This allows the lender to give you a low fixed rate and the lowest payment available with NO NEGATIVE AMORTIZATION! you save money every month! Is the 5/1 interest only A.R.M. right for you? Call Richard at (800) 808-0388 and let us help you make the right choice.
Term: 30 years
Maximum Amount: $417,000
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| Rates | APR | Points |
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| 2.875% | 3.081% | 1% |
| 3.25% | 3.132% | 0% |
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5 year fixed rate loans are the perfect loan for borrowers who want the security of a fixed rate and the lowest possible payment with NO NEGATIVE AMORTIZATION. Need an even lower payment? Call and talk to Richard at (800) 808-0388 about our interest only option. You may be surprised at how low you can get your payments with NO NEGATIVE AMORTIZATION.
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7/1 ARM Conf
Do you like the idea low payments but plan on being in your home more than five years? The 7 year fixed rate loan could be the way to go. This loan is amortized (scheduled) over thirty years with a low fixed rate for the first 7 years. This allows the lender to give you the lowest payment available with NO NEGATIVE AMORTIZATION! you save money every month! Is the 7 year fixed rate loan right for you? Call Richard at (800) 808-0388 and let us help you make the right choice.
Term: 30 years
Maximum Amount: $417,000
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| Rates | APR | Points |
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| 3.375% | 3.296% | 1% |
| 3.755% | 3.393% | 0% |
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7 year fixed rate loans are the perfect loan for borrowers who want the security of a fixed rate and the lowest possible payment with NO NEGATIVE AMORTIZATION. Need an even lower payment? Call and talk to Richard at (800) 808-0388 about our interest only option. You may be surprised at how low you can get your payments with NO NEGATIVE AMORTIZATION.
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10/1 ARM Conf
Do you like the idea of low payments but plan on being in your home more than seven years? The 10 year fixed could be the way to go. This loan is amortized (scheduled) over thirty years with a low fixed rate for the first 10 years. This allows the lender to give you a lower fixed rate and the lowest payment available with NO NEGATIVE AMORTIZATION! you save money every month! Is the 10 year fixed the right loan for you? Call Richard at (800) 808-0388 and let us help you make the right choice.
Term: 30 years
Maximum Amount: $417,500
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| Rates | APR | Points |
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| 4% | 3.738% | 1% |
| 4.25% | 3.812% | 0% |
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10 year fixed rate loans are the perfect loan for borrowers who want the security of a fixed rate and the lowest possible payment with NO NEGATIVE AMORTIZATION. Need an even lower payment? Call and talk to Richard at (800) 808-0388 about our interest only option. You may be surprised at how low you can get your payments with NO NEGATIVE AMORTIZATION.
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30 Year Super Conf Fixed
This is a brand new loan that was introduced as a result of the mortgage meltdown. "Jumbo Loans" those over the Fannie Mae limit ($417,000.00 in most areas for a single family home) all but disappeared when the you know what hit the fan. Interest rates on "Jumbos" went from just slightly higher than a standard conforming loan to 2 or three points higher. The reason this happened (and is still happening) is that the market for those loans is Wall Street and they are still reeling from the losses on the loans they have. They still don't know the full extent of the damage and they are certainly not interested in buying any more of these loans until they know how badly they are hurt. The fact that the underwriting of home loans has tightened up severely has not yet convinced the secondary market that it's safe to go back in the water.
To try to help stranded homeowners who needed to refinance loans over $417,000.00 Congress increased the maximum loan Fannae Mae and Freddie Mac could insure to a temporary limit of up to $729,000.00. In the industry we are calling this new loan a "conforming jumbo" and it's a life saver for many borrowers. If you need between $417,000.00 and $729,000.00 this loan can save your bacon. Better hurry though. This loan limit goes away at the end of the year. The legislation just passed will cap the "conforming jumbo" at $625,000.00
Term: 30 years
Maximum Amount: $729,000
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| Rates | APR | Points |
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| 4.375% | 4.479% | 1% |
| 4.625% | 4.644% | 0% |
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Is all of this stuff giving you a headache? It's going to get worse before it gets better. That's why you have me. Call (800) 808-0388 and as for Richard. I will use all of my knowledge and years of experience to assist you.
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15 Year Super Conf Fixed
This is a brand new loan that was introduced as a result of the mortgage meltdown. "Jumbo Loans" those over the Fannie Mae limit ($417,000.00 in most areas for a single family home) all but disappeared when the you know what hit the fan. Interest rates on "Jumbos" went from just slightly higher than a standard conforming loan to 2 or three points higher. The reason this happened (and is still happening) is that the market for those loans is Wall Street and they are still reeling from the losses on the loans they have. They still don't know the full extent of the damage and they are certainly not interested in buying any more of these loans until they know how badly they are hurt. The fact that the underwriting of home loans has tightened up severely has not yet convinced the secondary market that it's safe to go back in the water.
To try to help stranded homeowners who needed to refinance loans over $417,000.00 Congress increased the maximum loan Fannae Mae and Freddie Mac could insure to a temporary limit of up to $729,000.00. In the industry we are calling this new loan a "conforming jumbo" and it's a life saver for many borrowers. If you need between $417,000.00 and $729,000.00 this loan can save your bacon. Better hurry though. This loan limit goes away at the end of the year. The legislation just passed will cap the "conforming jumbo" at $625,000.00
Term: 30 years
Maximum Amount: $729,000
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| Rates | APR | Points |
|---|
| 3.75% | 3.85% | 1% |
| 4% | 4.018% | 0% |
| |
Is all of this stuff giving you a headache? It's going to get worse before it gets better. That's why you have me. Call (800) 808-0388 and as for Richard. I will use all of my knowledge and years of experience to assist you.
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3/1 ARM Super Conf
Want the security of a fixed rate loan but only plan on being in the house three years or less? The 3 year fixed could be the way to go. This loan is amortized (scheduled) over thirty years with low fixed rate for the first 3 years. This allows the lender to give you a low rate and the lowest payment available with NO NEGATIVE AMORTIZATION! you save money every month! Is the 3 year fixed rate loan right for you? Call Richard at (800) 808-0388 and let us help you make the right choice.
Term: 30 years
Maximum Amount: $729,750
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| Rates | APR | Points |
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| 3.875% | 3.323% | 1% |
| 4.5% | 3.383% | 0% |
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3 year fixed rate loans are the perfect loan for borrowers who want the security of a fixed rate and the lowest possible payment with NO NEGATIVE AMORTIZATION. Need an even lower payment? Call and talk to Richard at (800) 808-0388 about our interest only option. You may be surprised at how low you can get your payments with NO NEGATIVE AMORTIZATION.
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5/1 ARM Super Conf
Want the security of a fixed rate loan but only plan on being in the house five years or less? The 5/1 interest only A.R.M. could be the way to go. This loan is amortized (scheduled) over thirty years with low interest only payments for the first 5 years. This allows the lender to give you a low fixed rate and the lowest payment available with NO NEGATIVE AMORTIZATION! you save money every month! Is the 5/1 interest only A.R.M. right for you? Call Richard at (800) 808-0388 and let us help you make the right choice.
Term: 30 years
Maximum Amount: $729,750
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| Rates | APR | Points |
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| 3.75% | 3.38% | 1% |
| 4.375% | 3.522% | 0% |
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5 year fixed rate loans are the perfect loan for borrowers who want the security of a fixed rate and the lowest possible payment with NO NEGATIVE AMORTIZATION. Need an even lower payment? Call and talk to Richard at (800) 808-0388 about our interest only option. You may be surprised at how low you can get your payments with NO NEGATIVE AMORTIZATION.
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7/1 ARM Super Conf
Do you like the idea low payments but plan on being in your home more than five years? The 7 year fixed rate loan could be the way to go. This loan is amortized (scheduled) over thirty years with a low fixed rate for the first 7 years. This allows the lender to give you the lowest payment available with NO NEGATIVE AMORTIZATION! you save money every month! Is the 7 year fixed rate loan right for you? Call Richard at (800) 808-0388 and let us help you make the right choice.
Term: 30 years
Maximum Amount: $729,750
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| Rates | APR | Points |
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| 4.125% | 3.644% | 1% |
| 4.75% | 3.863% | 0% |
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7 year fixed rate loans are the perfect loan for borrowers who want the security of a fixed rate and the lowest possible payment with NO NEGATIVE AMORTIZATION. Need an even lower payment? Call and talk to Richard at (800) 808-0388 about our interest only option. You may be surprised at how low you can get your payments with NO NEGATIVE AMORTIZATION.
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30 Year Jumbo to $1M
The 30 year jumbo fixed is back! Western Lending is once again able to offer our borrowers a 30 year fixed rate product up to $1,000,000.00 with very attractive rates. Be sure to check our our 3,5,7 and 10 year fixed rate jumbos, too.
Term: 30 years
Maximum Amount: $10,000,000
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| Rates | APR | Points |
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| 5.125% | 5.244% | 1% |
| 5.375% | 5.404% | 0% |
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By analyzing your situation and helping you explore all of your options we will do our best to get you through these troubled times. Just call Richard at (800) 808-0388 to get started.
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15 Year Jumbo to $1M
The 15 year fixed jumbo is back! Western Lending is once again able to offer our borrowers a 15 year fixed rate product up to $1,000,000.00 with very attractive rates. Be sure to check our our 3,5,7 and 10 year fixed rate jumbos, too.
Term: 30 years
Maximum Amount: $1,000,000
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| Rates | APR | Points |
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| 4.5% | 4.605% | 1% |
| 5% | 5.019% | 0% |
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By analyzing your situation and helping you explore all of your options we will do our best to get you through these troubled times. Jus call Richard at (800) 808-0388 to get started.
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3/1 ARM Jumbo to $1m
Do you like the idea of low payments but only plan on being in your home for 3 years? The 3 year Jumbo fixed rate loan could be the way to go. This loan is amortized (scheduled) over thirty years with a low fixed rate for the first 3 years. This allows the lender to give you the lowest payment available with NO NEGATIVE AMORTIZATION! you save money every month! Is the 3 year fixed rate loan right for you? Call Richard at (800) 808-0388 and let us help you make the right choice.
Term: 30 years
Maximum Amount: $1,000,000
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| Rates | APR | Points |
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| 3.75% | 3.295% | 1% |
| 4.25% | 3.326% | 0% |
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Our brand new Jumbo 3 year fixed now goes as high as one million dollars! No more frustrating Fannae Mae limits of $729,750 and you still get fantastic low rates. Call Richard now at (800) 808-0388!
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5/1 ARM Jumbo to $1m
Do you like the idea of low payments but plan on being in your home more than 3 years? The 5 year jumbo fixed rate loan could be the way to go. This loan is amortized (scheduled) over thirty years with a low fixed rate for the first 5 years. This allows the lender to give you the lowest payment available with NO NEGATIVE AMORTIZATION! you save money every month! Is the 5 year fixed rate loan right for you? Call Richard at (800) 808-0388 and let us help you make the right choice.
Term: 30 years
Maximum Amount: $729,000
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| Rates | APR | Points |
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| 3.625% | 3.372% | 1% |
| 4% | 3.424% | 0% |
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Our brand new Jumbo 5 year fixed now goes as high as one million dollars! No more frustrating Fannae Mae limits of $729,750 and you still get fantastic low rates. Call Richard now at (800) 808-0388!
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7/1 ARM Jumbo to $1m
Do you like the idea of low payments but plan on being in your home more than 5 years? The 7 year jumbo fixed rate loan could be the way to go. This loan is amortized (scheduled) over thirty years with a low fixed rate for the first 5 years. This allows the lender to give you the lowest payment available with NO NEGATIVE AMORTIZATION! you save money every month! Is the 7 year fixed rate loan right for you? Call Richard at (800) 808-0388 and let us help you make the right choice.
Term: 30 years
Maximum Amount: $1,000,000
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| Rates | APR | Points |
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| 4.5% | 3.442% | 1% |
| 4.75% | 3.48% | 0% |
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Our brand new Jumbo 7 year fixed now goes as high as one million dollars! No more frustrating Fannae Mae limits of $729,750 and you still get fantastic low rates. Call Richard now at (800) 808-0388!
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30 Year Super Jumbo to $2M
The 30 year super jumbo fixed is back! Western Lending is once again able to offer our borrowers a 30 year fixed rate product up to $2,000,000.00 with very attractive rates. Be sure to check our our 3,5,7 and 10 year fixed rate jumbos, too.
Term: 30 years
Maximum Amount: $2,000,000
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| Rates | APR | Points |
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| 5% | 5.108% | 1% |
| 5.375% | 5.395% | 0% |
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By analyzing your situation and helping you explore all of your options we will do our best to get you through these troubled times. Just call Richard at (800) 808-0388 to get started.
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15 Year Super Jumbo to $2M
The 15 year fixed jumbo is back! Western Lending is once again able to offer our borrowers a 15 year fixed rate product up to $2,000,000.00 with very attractive rates. Be sure to check our our 3,5,7 and 10 year fixed rate jumbos, too.
Term: 15 years
Maximum Amount: $3,000,000
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| Rates | APR | Points |
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| 4.5% | 4.684% | 1% |
| 5% | 5.033% | 0% |
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By analyzing your situation and helping you explore all of your options we will do our best to get you through these troubled times. Jus call Richard at (800) 808-0388 to get started.
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3/1 ARM Super Jumbo to $2M
Do you like the idea of low payments but only plan on being in your home 3 years? The 3 year super jumbo fixed rate loan could be the way to go. This loan is amortized (scheduled) over thirty years with a low fixed rate for the first 3 years. This allows the lender to give you the lowest payment available with NO NEGATIVE AMORTIZATION! you save money every month! Is the 3 year super jumbo fixed rate loan right for you? Call Richard at (800) 808-0388 and let us help you make the right choice.
Term: 30 years
Maximum Amount: $2,000,000
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| Rates | APR | Points |
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| 3.5% | 3.288% | 2% |
| 4.375% | 3.404% | 1% |
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Our brand new Super Jumbo 3 year fixed now goes as high as two million dollars! No more frustrating Fannae Mae limits of $729,750 and you still get fantastic low rates. Call Richard now at (800) 808-0388!
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5/1 ARM Super Jumbo to $2M
Do you like the idea of low payments but plan on being in your home more than 3 years? The 5 year super jumbo fixed rate loan could be the way to go. This loan is amortized (scheduled) over thirty years with a low fixed rate for the first 5 years. This allows the lender to give you the lowest payment available with NO NEGATIVE AMORTIZATION! you save money every month! Is the 5 year super jumbo fixed rate loan right for you? Call Richard at (800) 808-0388 and let us help you make the right choice.
Term: 30 years
Maximum Amount: $2,000,000
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| Rates | APR | Points |
|---|
| 3.625% | 3.407% | 2% |
| 4.375% | 3.595% | 1% |
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Our brand new Super Jumbo 5 year fixed now goes as high as two million dollars! No more frustrating Fannae Mae limits of $729,750 and you still get fantastic low rates. Call Richard now at (800) 808-0388!
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7/1 Year Super Jumbo to $2M
Do you like the idea of low payments but plan on being in your home more than 5 years? The 7 year super jumbo fixed rate loan could be the way to go. This loan is amortized (scheduled) over thirty years with a low fixed rate for the first 7 years. This allows the lender to give you the lowest payment available with NO NEGATIVE AMORTIZATION! you save money every month! Is the 5 year fixed rate loan right for you? Call Richard at (800) 808-0388 and let us help you make the right choice.
Term: 30 years
Maximum Amount: $2,000,000
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| Rates | APR | Points |
|---|
| 4% | 3.652% | 2% |
| 4.75% | 3.934% | 1% |
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Our brand new Super Jumbo 7 year fixed now goes as high as two million dollars! No more frustrating Fannae Mae limits of $729,750 and you still get fantastic low rates. Call Richard now at (800) 808-0388!
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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 $417,000 with closing costs of $1,366. 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 $625,000 with closing costs of $1,366. Your actual APR may be different depending upon these factors.
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