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United Country Home Mortgage - Loans & Mortgage Rates

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View today's Interest Rates,
Products and Price Options  
     
To obtain additional information
on products or rates not listed below, please contact one of
our Loan Officers.

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If you would like further explanation on Annual Percentage Rates (APR)
and how they are calculated, Contact Us.
    
 
The conforming rates are based on loan amounts of $417,000 or below. The jumbo rates are based on loan amounts greater than $417,000. All listed rates are applicable to single family, owner occupied, primary residences only.
   
THE RATES PUBLISHED ON THIS PAGE ARE APPLICABLE ONLY TO REQUESTS RECEIVED FROM THIS
SITE OR BY CALLING 1-888-213-4222. THEY ARE SUBJECT TO CHANGE WITHOUT NOTICE. IN ORDER TO RECEIVE A GUARANTEED RATE, YOU MUST HAVE SUBMITTED AN APPLICATION AND RECEIVED A VERBAL CONFIRMATION FROM A LOAN OFFICER THAT YOUR APPLICATION HAS BEEN RECEIVED AND YOUR DESIRED RATE LOCKED. MINNESOTA RESIDENTS MUST RECEIVE A WRITTEN CONFIRMATION AS REQUIRED BY
MN STATUTE 47.206*.
   
*This statement of current loan terms and conditions is not an offer to enter into an interest rate or discount point agreement. Any such offer may be made only pursuant to subdivisions 3 and 4 of Minnesota Statutes Section 47.206.
   
The rates assume a 20% down payment and an anticipated lock period and closing date of 45-60 days out. Discount points vary depending on Loan-to-Value, occupancy status and multi units. Shorter lock periods and lower rates are available on home purchases. The APR calculation assumes a loan amount of $100,000, 0.50% estimated borrower paid finance charges, plus origination and discount points if applicable.
   
Loan Payment Examples

Rates as of 11/20/2009
    
  
Product
    		Rate Discount Origination APR Mo. Pmt per $1000
 
Conforming Fixed - 30 Year 4.500% 1.000% 1.000% 4.739% 5.07
  4.750% 0.000% 1.000% 4.903% 5.22
  4.950% 0.000% 0.000% 5.016% 5.34
 
Conforming Fixed - 20 Year 4.500% 0.750% 1.000% 4.797% 6.33
  4.750% 0.000% 1.000% 4.959% 6.46
  4.875% 0.000% 0.000% 4.964% 6.53
 
Conforming Fixed - 15 Year 4.125% 1.000% 1.000% 4.537% 7.46
  4.250% 0.000% 1.000% 4.511% 7.52
  4.375% 0.000% 0.000% 4.487% 7.59
 
Conforming Fixed - 10 Year 4.125% 1.000% 1.000% 4.715% 10.18
  4.250% 0.000% 0.000% 4.409% 10.24
 
FHA - 30 Year Fixed 4.875% 0.000% 1.000% 5.495% 5.37
  5.000% 0.000% 0.000% 5.531% 5.45
 
FHA - 15 Year Fixed 4.500% 0.000% 0.000% 5.081% 7.76
 
VA - 30 Year Fixed 5.000% 0.000% 1.000% 5.447% 5.55
 
VA - 15 Year Fixed 4.500% 0.000% 1.000% 5.256% 7.90
 
3YR ARM - APR may increase after consummation 3.250% 0.000% 1.000% 3.778% 4.35
  3.500% 0.000% 0.000% 3.754% 4.49
 
5YR ARM - APR may increase after consummation 3.375% 0.000% 1.000% 3.758% 4.42
  3.750% 0.000% 0.000% 3.811% 4.63
 
Jumbo - 30 Year Fixed 5.250% 0.750% 1.000% 5.477% 5.52
  5.500% 0.000% 1.000% 5.660% 5.68
 
Jumbo - 15 Year Fixed 4.625% 0.750% 1.000% 5.004% 7.71
  4.875% 0.000% 1.000% 5.141% 7.84

 
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This information is provided to assist Real Estate Brokers and is not intended to extend consumer credit as defined by section 226.2 of Regulation “Z.” Interest rate, program terms and conditions are subject to change without notice. Not all products are available in all states and for all loan amounts. Other restrictions and limitations may apply. Granting of loan is subject to program guidelines. United Country® Home Mortgage is a joint venture between United Country® Real Estate and USBancorp ®.