Rates

Primary Loan Programs (California Only)
15 Day Rate Lock as of 11/17/08

Below are some of our rates. To see if you qualify, click here.

5.500

Conventional Loans	1.50 Points+ C.Costs	1 Points+ C.Costs	0 Points+ C.Costs	No Points& NO Costs*
15 Year Fixed Rate to 417,000	5.750	6.250	6.875
15 Year Fixed Rate to $750,000	Call for Prcg	Call for Prcg	Call for Prcg	Call for Prcg
30 Year Fixed Rate to $417,000	5.875	6.000	6.375	6.875
30 Year Fixed Rate to $750,000	Call For Prcg	Call For Prcg	Call For Prcg	Call For Prcg
30Yr Fxd Jumbo Conforming to $729,750	6.125	6.375	6.875	Call For Prcg

Government Loans	1.50 Points+ C.Costs	1 Points+ C.Costs	0 Points+ C.Costs	No Points& NO Costs*
FHA 30 year fixed	5.875	6.000	6.375	7.125
VA 30 year fixed	5.875	6.000	6.375	7.125

Equity & No Equity Seconds	Interest Rate	Total Points^
Debt Consolidation to 100%	6.000	-0-
Debt Consolidation to 125%	N/A	N/A
Debt Consolidation to 125%	N/A	N/A

Second Mortgage rates are dependent on your credit score. Call or e-mail us for a quote.

Many more loan programs are available. You can usually get a lower rate if you can lock in for less than 21 days. To see if you qualify, click here! You can also call or e-mail us for a quote.

NOTES:

LTV - This stands for Loan-To-Value. For example, if your home is worth $200,000 and you owe $160,000, then your LTV is 80% (ie $160,000 ./. $200,000).

^ A point is one percent of your loan balance. For example, if your loan amount is $150,000 then one point would be $1500.

* Minimum Loan for No Cost is $225,000; lower loan amounts can have reduced costs. All normal closing costs are paid by Quantum Mortgage Group.

Rates subject to change.