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USA Federal Real Estate Rates


Effective May 8, 2008. USA Federal offers a selection of competitive real estate rates. All real estate rates, terms and conditions are subject to change without notice. Fees and restrictions may be associated with various products. The Annual Percentage Rate (APR) for first trust deeds is based on the term stated including applicable points and customary closing costs. The real estate rates shown below are based upon the credit worthiness of individual applicants and are not intended to be a commitment to the loan type or amount for which you may qualify. Call (800) 220-1872, extension 1620 for more information.

Real Estate Products:

Fixed Rate Mortgages   Adjustable Rate Mortgages
• Fixed Rate Mortgages (First Trust Deed)   • Adjustable Rate Mortgage (ARM)
• Stated Income   • Stated Income
• Investment (Rental) Property   • Investment (Rental) Property
• Second Trust Deed      
      • Home Equity Line of Credit (HELOC)
       

 

Fixed Rate Mortgages (First Trust Deed)  
Conforming Rates (Loan Amount Based on Property Location)
Years
Rate
APR
Points
Origination Fee
Estimated Payment per $1,000
15
5.750%
5.987%
None
1.000%
$8.30
15
5.500%
5.888%
1.000%
1.000%
$8.17
20
5.875%
6.064%
None
1.000%
$7.09
20
5.625%
5.933%
1.000%
1.000%
$6.95
30
6.125%
6.269%
None
1.000%
$6.08
30
5.875%
6.108%
1.000%
1.000%
$5.92
 
 

 

Jumbo Rates (Loan Amount Based on Property Location)

 

Years

 

Rate

 

APR

 

Points
Origination Fee
Estimated Payment per $1,000
15
6.250%
6.371%
None
0.500%
$8.57
15
6.000%
6.197%
1.000%
0.500%
$8.44
20
6.375%
6.409%
None
0.500%
$7.38
20
6.125%
6.283%
1.000%
0.500%
$7.24
30
6.625%
6.651%
None
0.500%
$6.40
30
6.375%
6.496%
1.000%
0.500%
$6.24
 
 

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Stated Income  
Conforming Rates (Loan Amount Based on Property Location)

 

Years

 

Rate

 

APR

 

Points
Origination Fee
Estimated Payment per $1,000
15
6.625%
6.908%
0.250%
1.000%
$8.78
20
6.750%
6.977%
0.250%
1.000%
$7.60
30
7.125%
7.303%
0.250%
1.000%
$6.74
 
 

 

Jumbo Rates (Loan Amount Based on Property Location)

 

Years

 

Rate

 

APR

 

Points
Origination Fee
Estimated Payment per $1,000
15
7.125%
7.289%
0.250%
0.500%
$9.06
20
7.250%
7.382%
0.250%
0.500%
$7.90
30
7.625%
7.730%
0.250%
0.500%
$7.08
 
 

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Investment (Rental) Property - Amortized over 30 years
Balloon Payment in 15 years

  
Conforming Rates (Loan Amount Based on Property Location)

 

Years

 

Rate

 

APR

 

Points
Origination Fee
Estimated Payment per $1,000
15
6.500%
6.899%
1.000%
1.000%
$8.71
20
6.625%
6.946%
1.000%
1.000%
$7.53
30
6.875%
7.123%
1.000%
1.000%
$6.57
 
 

 

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Second Trust Deed

  
Conforming Rates (Loan Amount Based on Property Location)

 

Years

 

Rate

 

APR

 

Points
Estimated
Payment per
$1,000
10
7.375%
7.666%
0.750
$11.81
15
7.500%
7.709%
0.750
$9.27
20
7.625%
7.795%
0.750
$8.13
 
 

 

 

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Adjustable Rate Mortgages (ARM)

  
Conforming Rates (Loan Amount Based on Property Location)

 

Years

 

Rate

 

APR

 

Points
Origination Fee
Estimated Payment per $1,000
3/1 ARM
30
5.875%
6.017%
None
1.000%
$5.92
3/1 ARM
30
5.625%
5.855%
1.000%
1.000%
$5.76
5/1 ARM
30
6.000%
6.143%
None
1.000%
$6.00
5/1 ARM
30
5.750%
5.982%
1.000%
1.000%
$5.84
7/1 ARM
30
6.125%
6.269%
None
1.000%
$6.08
7/1 ARM
30
5.875%
6.108%
1.000%
1.000%
$5.92
 
 

 

Jumbo Rates (Loan Amount Based on Property Location)

 

Years

 

Rate

 

APR

 

Points
Origination Fee
Estimated Payment per $1,000
3/1 ARM
30
6.250%
6.323%
None
0.500%
$6.16
3/1 ARM
30
6.000%
6.164%
1.000%
0.500%
$6.00
5/1 ARM
30
6.375%
6.488%
None
0.500%
$6.24
5/1 ARM
30
6.125%
6.290%
1.000%
0.500%
$6.08
7/1 ARM
30
6.500%
6.574%
None
0.500%
$6.32
7/1 ARM
30
6.250%
6.417%
1.000%
0.500%
$6.16
 
 

 

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Stated Income

 
Conforming Rates (Loan Amount Based on Property Location)

 

Years

 

Rate

 

APR

 

Points
Origination Fee
Estimated Payment per $1,000
5/1 ARM
30
7.000%
7.176%
0.250%
1.000%
$6.65
7/1 ARM
30
7.125%
7.303%
0.250%
1.000%
$6.74
 
 

 

Jumbo Rates (Loan Amount Based on Property Location)

 

Years

 

Rate

 

APR

 

Points
Origination Fee
Estimated Payment per $1,000
5/1 ARM
30
7.375%
7.478%
0.250%
0.500%
$6.91
7/1 ARM
30
7.500%
7.604%
0.250%
0.500%
$6.99
 
 

 

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Investment (Rental) Property - Amortized over 30 years
Balloon Payment in 15 years

 
Conforming Rates (Loan Amount Based on Property Location)

 

 

 

Rate

 

APR

 

Points
Origination Fee
Estimated
Payment per
$1,000
5/1 ARM
6.750%
6.996%
1.000%
1.000%
$6.49
7/1 ARM
6.875%
7.123%
1.000%
1.000%
$6.57
 
 

 

Home Equity Line of Credit (HELOC) - No Points* More >

 
Loan Amounts $5,000 - $1,000,000
Loan to Value

 

Years

 

Rate

 

APR
Estimated
Payment per
$1,000
80% or less
30
5.250%
5.250%
$4.38
81% - 90%
30

6.250%
6.250%
$5.21
* Current Prime Rate = 5.00%
The HELOC Rates are as of the 19th of each month when, according to Loan Policy, we adjust our HELOC rates, if required.
 
 

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*This link contains a PDF file that requires Adobe Reader. Download Adobe Reader for free here. USA Federal provides links to third-party web sites as a member courtesy and does not guarantee the accuracy of any information obtained from this third-party as detailed in our Terms of Use.

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