Fixed Rate Mortgages

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PROGRAM

RATE

POINTS

APR

Est. Payment
Per $1,000 *

40 Year Fixed—Conforming

5.375%

0.0

5.499%

$5.22

5.125%

1.0

5.320%

$4.91

4.875%

2.0

5.137%

$4.74

30 Year Fixed—Conforming

5.000%

0.0

5.145%

$5.37

4.750%

1.0

4.979%

$5.22

4.500%

2.0

4.810%

$5.07

20 Year Fixed—Conforming

4.750%

0.0

4.946%

$6.46

4.500%

1.0

4.810%

$6.33

4.250%

2.0

4.671%

$6.19

15 Year Fixed—Conforming

4.500%

0.0

4.748%

$7.65

4.250%

1.0

4.643%

$7.52

4.000%

2.0

4.535%

$7.40

30 Due in 7—Conforming**

4.875%

0.0

5.019%

$5.29

4.625%

1.0

4.852%

$5.14

4.375%

2.0

4.682%

$4.99

40 Year Fixed—Jumbo

6.625%

0.0

6.732%

$5.94

6.375%

1.0

6.561%

$5.77

6.125%

2.0

6.386%

$5.59

30 Year Fixed—Jumbo

6.000%

0.0

6.120%

$6.00

5.750%

1.0

5.960%

$5.84

5.500%

2.0

5.796%

$5.68

20 Year Fixed—Jumbo

5.750%

0.0

5.909%

$7.02

5.500%

1.0

5.778%

$6.88

5.250%

2.0

5.644%

$6.74

15 Year Fixed—Jumbo

5.500%

0.0

5.699%

$8.17

5.250%

1.0

5.599%

$8.04

5.000%

2.0

5.496%

$7.91

30 Due in 7—Jumbo**

5.625%

0.0

5.743%

$5.76

5.375%

1.0

5.580%

$5.60

5.125%

2.0

5.414%

$5.44

*   To determine approximate payment, multiply the number in the Estimated Payment/$1,000 column by the
     number of thousands of dollars to be borrowed.
The "30 Due in 7" loan program may be an option for buyers planning to only be in the home for less than
     7 years . Monthly loan payments are based on a 30 year fixed loan rate for the first 6 years with the full
     balance of the loan due the seventh year.

Purchase or Refinance
The rates and prices quoted above are effective as of 12/04/2009**, are not guaranteed until locked and are subject to change without notice. For more information, please call a CU SoCal loan officer at 800.698.7196.

Fixed Rate Loan

Conforming

Conforming loan amounts vary and depend on property location.
Maximum Loan Advance: Up to 80% combined loan to value.
Loan Origination Fee: 1%

Jumbo

Jumbo loan amounts vary and depend on property location.
Maximum Loan Advance: Up to 70% combined loan to value.
Loan Origination Fee: 1%

Investment Property

Non-owner occupied
Maximum Loan Amount $750,000
Maximum Combined Loan-to-Value (CLTV) - Up to 70% (Conforming or Jumbo).
Interest Rate: Conforming or Jumbo fixed interest rate PLUS .50% added to margin
Loan Origination Fee: 2.00%
All properties must be located in California.

Property Qualifications

Owner occupied single family residence, condo and Planned Unit Development
Second homes or vacation homes
Investment property (non-owner occupied) 1-4 Units
All properties must be located in California.

Cost to Member
Loan costs will include points, loan administration fee, title insurance, escrow, recording, processing fee and impounds for taxes & insurance (if applicable). CU SoCal will send you a Good Faith Estimate of these costs within 72 hours of receiving your completed application.

Rate Lock Policy
Member may choose to lock or float the rate. Simply complete a Real Estate Loan Application package, and contact our Loan Consultants at 800.698.7196. The Rate Lock is good for 45 days.

Click HERE for Glossary of Terms.
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
© 2009 Credit Union of Southern California