Kaiser Federal Bank    

About us  |  Ethics  |  Privacy  |  Careers  |  Site Map  
Checking Convenience Disclosures Loans Locations Savings Rates

Print  Print  |  Certificates of Deposit |  Consumer Loan Rates  |  Home Equity Rates |  Real Estate |  Savings

Real Estate Rates

 Accurate as of July 28, 2010
  Conforming Conventional Fixed Rate ($25,000 Up To $500,000)¹  
  Product Rate Points APR Margin Life Cap Floor  
  30 Year 4.500% 1.00% 4.717% N/A N/A N/A  
  Fixed 4.625% 0.00% 4.755% N/A N/A N/A  
  20 Year 4.375% 1.00% 4.671% N/A N/A N/A  
  Fixed 4.500% 0.00% 4.677% N/A N/A N/A  
  15 Year 4.250% 1.00% 4.627% N/A N/A N/A  
  Fixed 4.375% 0.00% 4.600% N/A N/A N/A  
  10 Year 4.125% 1.00% 4.665% N/A N/A N/A  
  Fixed 4.250% 0.00% 4.573% N/A N/A N/A  
  Adjustable Rate Mortgages ($25,000 Up To $1,500,000)¹ ³CMT Index:  0.272%  
  Product Rate Points APR Margin Life Cap Floor  
  1/1 CMT 4.425% 1.00% 4.189% 2.75% 10.425% 3.925%  
    5.052% 0.00% 5.168% 3.00% 11.052% 4.552%  
  3/1 CMT 5.168% 1.00% 5.114% 2.75% 11.168% 4.668%  
    5.668% 0.00% 5.439% 2.75% 11.668% 5.168%  
  5/1 CMT 5.488% 1.00% 5.512% 2.75% 10.488% 4.988%  
    5.988% 0.00% 5.834% 2.75% 10.988% 5.488%  
  Jumbo Conventional Fixed Rate ($500,001 Up To $1,500,000)²  
  Product Rate Points APR Margin Life Cap Floor  
  30 Year 5.000% 2.00% 5.217% N/A N/A N/A  
  Fixed 5.250% 1.00% 5.379% N/A N/A N/A  
    5.500% 0.00% 5.539% N/A N/A N/A  
  15 Year 4.500% 2.00% 4.868% N/A N/A N/A  
  Fixed 5.000% 1.00% 5.125% N/A N/A N/A  
    5.250% 0.00% 5.315% N/A N/A N/A  
For a 1st trust deed mortgage refinance transaction with a loan amount of $100,000 at an interest rate of 4.625%, you would make 360 monthly payments of principal and interest of $514.14 (assumes a single unit owner-occupied residence, 80% loan-to value).

For a 1st trust deed mortgage refinance transaction with a loan amount of $500,001 at an interest rate of 5.500%, you would make 360 monthly payments of principal and interest of $2,838.95 (assumes a single unit owner-occupied residence, 80% loan-to value).
  ¹APR (Annual Percentage Rate) for conforming fixed rate and adjustable rate products assume a single unit residence, 80% loan-to-value, owner occupied and a loan amount of $100,000.00 for a refinance transaction
²APR (Annual Percentage Rate) for jumbo fixed rate products assume a single unit residence, 80% loan-to- value, owner occupied and a loan amount of $500,001.00 for a refinance transaction
³Based on the weekly average yield on U.S. Treasury securities adjusted to a constant maturity of one year as made available by the Federal Reserve Board in Statistical Release H.15.

 Notes  1. For FRM's add .25% to rate for 3 and 4 unit owner occupied residences.
2. For FRM's add 1.50% to points for non-owner occupied residences.
3. For ARM's add .25% to start rate, margin, life cap and floor for non-owner occupied residences.
4. For FRM's points above contemplates 30 day rate lock at time of approval.
Add .50% for "lower of lock or market" option.
.50% of loan amount is nonrefundable and must be paid at time of application.
5. For ARM's points above contemplates free "lower of lock or market" option.
 

Rates Available For California Properties Only.                    Rates and Terms are subject to change without notice.

Call for current rates - 800.524.CASH

Kaiser Federal Bank 5-Star Superior Rated by BauerFinancial, Inc.
Kaiser Federal Bank Member FDIC. Equal Housing Lender Equal Housing Lender
© Kaiser Federal Bank. All rights reserved.
All images are copyrighted to its rightful owner(s).