Portfolio Rates





A G E N C Y R A T E S

Fannie Mae Rates
Term	Rate	APR	LTV	Debt Ratio	Credit Score
30 Year	4.125%	4.198%	See Eligibility Matrix	Per DU	Per DU-scores under 661 require approval per loan policy
20 Year	3.875%	3.974%	See Eligibility Matrix	Per DU	Per DU-scores under 661 require approval per loan policy
15 Year	3.375%	3.497%	See Eligibility Matrix	Per DU	Per DU-scores under 661 require approval per loan policy
10 Year	3.250%	3.426%	See Eligibility Matrix	Per DU	Per DU-scores under 661 require approval per loan policy
Reduced rates are available by paying discount points - contact Retail Loan Administration for rate quotes

Maine State Housing Authority
Term	Rate	Points	APR	LTV	Debt Ratio	Credit Score
Click to access MSHA rate sheet for all pricing and program guidelines.
30 Year	3.375%	2	4.145%	Per Program	Per Program	Per Program
30 Year	3.625%	0*	4.219%	Per Program	Per Program	Per Program

Mobile Home Self Insured
20-25-30 Years	4.375%	2	4.547%	Per Program	Per Program	Per Program
20-25-30 Years	4.625%	0*	4.625%	Per Program	Per Program	Per Program
	Age of Mobile Home:		0-10 Yrs Old = 30YR Term	11-15 Yrs Old = 25YR Term	16-20 Yrs Old = 20YR Term
APR provided by MSHA; *add Advantage to any 0 Point program! $3500, NO Rate Add-On. Scores under 661 require approval per loan policy.

P O R T F O L I O R A T E S

Fixed Rates
Term	Rate	APR	LTV	Debt Ratio	Credit Score
30 Year Fixed	4.625%	4.680%	80% *	28% Housing/ 43% Total	700 Lowest Median Score
20 Year Fixed	4.375%	4.449%	80% *	28% Housing/ 43% Total	700 Lowest Median Score
15 Year Fixed	3.875%	3.965%	80% *	28% Housing/ 43% Total	700 Lowest Median Score
10 Year Fixed	3.750%	3.878%	80% *	28% Housing/ 43% Total	700 Lowest Median Score
*LTV varies based on property type and PMI eligibility - See pricing variances below.

ARM Rates (includes Jumbo ARMS)
Term	Rate	APR	LTV	Debt Ratio	Credit Score
30 Year 3/1 ARM	3.875%	4.391%	80% *	28% Housing/ 43% Total	700 Lowest Median Score
30 Year 5/1 ARM	4.125%	4.401%	80% *	28% Housing/ 43% Total	700 Lowest Median Score
30 Year 7/1 ARM	4.375%	3.820%	80% *	28% Housing/ 43% Total	700 Lowest Median Score
*LTV varies based on property type and PMI eligibility - See pricing variances below. Current Key Index Rate: .125

Bi-Weekly Rates
Term	Rate	APR	LTV	Debt Ratio	Credit Score
20 Year Fixed	4.375%	4.283%	80% *	28% Housing/ 43% Total	700 Lowest Median Score
15 Year Fixed	3.875%	3.761%	80% *	28% Housing/ 43% Total	700 Lowest Median Score
10 Year Fixed	3.750%	3.691%	80% *	28% Housing/ 43% Total	700 Lowest Median Score
*LTV varies based on property type and PMI eligibility - See pricing variances below.

Jumbo Rates
Term	Rate	APR	LTV	Debt Ratio	Credit Score
30 Year	4.125%	4.144%	80% primary & 2nd home	28% Housing / 43% total	700 Lowest Median Score
20 Year	3.875%	3.900%	80% primary & 2nd home	28% Housing / 43% total	700 Lowest Median Score
15 Year	3.375%	3.403%	80% primary & 2nd home	28% Housing / 43% total	700 Lowest Median Score
10 Year	3.250%	3.290%	80% primary & 2nd home	28% Housing / 43% total	700 Lowest Median Score
Property must be owner occupied. APR is based on a loan amount of $1,000,000.00. Loans $1,000,000 or greater require 2 appraisals.

Construction Rates
Term	Rate	APR	LTV	Debt Ratio	Credit Score
12 Month Only	6.490%	8.730%	80%	25% Housing/ 40% Total	700 Lowest Median Score
Construction to 7/1 ARM	0.000%	3.849%	80%	28% Housing/ 43% Total	700 Lowest Median Score
Construction to 30YR Fixed	0.000%	4.594%	80%	28% Housing/ 43% Total	700 Lowest Median Score
Additional approval needed for loans with credit scores less than 700 and/or DI greater than 40% for Construction Only & 43% for 7/1ARM

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