Loan Program Rates

(Rates Subject to Change Daily)

Rates Current as of November 18, 2008
Last Rate Change October 10, 2008

1. FIXED RATE LOANS - PURCHASE AND REFINANCE
 

Loan Type

Interest Rate

Annual Percentage Rate

Points

Monthly Payments

Term
10 YEAR 5.250% 5.79% 1.50% $10.72 per $1000.00 120 Mo
CONFORMING 5.625% 5.83% No Points $10.91 per $1000.00 120 Mo
15 YEAR 5.375% 5.76% 1.50% $8.10 per $1000.00 180 Mo
CONFORMING 5.750% 5.90% No Points $8.30 per $1000.00 180 Mo
20 YEAR 6.000% 6.31% 1.50% $7.16 per $1000.00 240 Mo
CONFORMING 6.375% 6.49% No Points $7.38 per $1000.00 240 Mo
30 YEAR 6.250% 6.49% 1.50% $6.15 per $1000.00 360 Mo
CONFORMING 6.625% 6.72% No Points $6.40 per $1000.00 360 Mo

2. FIXED RATE LOANS - CONSTRUCTION
 

Loan Type

Interest Rate

Annual Percentage Rate

Points

Monthly Payments

Term
30 YEAR CONFORMING 6.500% 6.79% 2.00% $6.32 per $1000.00 360 Mo
15 YEAR CONFORMING 5.625% 6.09% 2.00% $8.23 per $1000.00 180 Mo

3. TWO-STEP LOANS - PURCHASE AND REFINANCE
 

Loan Type

Interest Rate

Annual Percentage Rate

Points

Monthly Payments

Term
30 YEAR CONFORMING 5.875% 6.34% 1.50% $5.91 per $1000.00 360 Mo
15 YEAR CONFORMING 4.875% 5.72% 1.50% $7.84 per $1000.00 180 Mo

4. TWO-STEP LOANS - CONSTRUCTION
 

Loan Type

Interest Rate

Annual Percentage Rate

Points

Monthly Payments

Term
30 YEAR CONFORMING 6.125% 6.49% 2.00% $6.07 per $1000.00 360 Mo
15 YEAR CONFORMING 5.375% 6.10% 2.00% $8.10 per $1000.00 180 Mo

5. ADJUSTABLE RATE LOANS - PURCHASE AND REFINANCE
 

Loan Type

Interest Rate

Annual Percentage Rate

Points

Monthly Payments

Term
30 YEAR CONFORMING 5.125% 5.47% 1.50% $5.44 per $1000.00 360 Mo
15 YEAR CONFORMING 4.500% 5.35% 1.50% $7.64 per $1000.00 180 Mo

6. ADJUSTABLE RATE LOANS - CONSTRUCTION

 

Loan Type

Interest Rate

Annual Percentage Rate

Points

Monthly Payments

Term
30 YEAR CONFORMING 5.750% 5.55% 2.00% $5.83 per $1000.00 360 Mo
15 YEAR CONFORMING 5.250% 5.48% 2.00% $8.03 per $1000.00 180 Mo

7. EQUITY LINE OF CREDIT - FIXED FOR FIRST 10 YEARS*

 

Loan Type

Interest Rate

Annual Percentage Rate

Points

Monthly Payments

Term
25 YEAR CONFORMING 8.00% 8.00% No Points ------ 300 Mo

8. EQUITY LINE OF CREDIT - ADJUSTABLE*

 

Loan Type

Interest Rate

Annual Percentage Rate

Points

Monthly Payments

Term
25 YEAR CONFORMING 4.00% 4.00% No Points ------ 300 Mo

*Other lender's first deed of trust may not exceed $250,000.

  • Conforming: Maximum loan, borrower and property meet Freddie Mac/Fannie Mae standards.
    Individual rates offered may vary due to, for example; loan amount, customer's qualifications and credit, property type, occupancy, use and other factors. Programs, rates, terms and conditions are subject to change at any time without notice. Rates are set at the time the loan commitment is issued.
  • For more information on these loan programs, call, write, or E-mail us for a copy of the applicable "Loan Disclosure Notice", or for a loan application package.
  • For information on additional loan programs not listed, call any El Dorado Savings Bank office.
  • Loans are available in the following California counties: Amador, Calaveras, El Dorado, Inyo, Nevada, Placer, Sacramento and Tuolumne. Loans are also available in Douglas County; Carson City County; and Incline Village, Sparks and Reno areas in Washoe County, Nevada. Check "Locations" for our branch offices located in these counties.
  • 20% minimum cash down payment required on purchase loan.
  • 20% minimum equity required on construction loan.
  • 25% minimum equity required on 20 and 30 year refinance loan.
  • 25% minimum equity required on 10 and 15 year refinance loan.