| LENDER / LOAN TYPE |
30 Year Fixed
|
15 Year Fixed
|
| |
Rate
|
Points
|
Rate
|
Points
|
AAXA Discount Mortgage, Inc.
1-877-728-3569, 910-452-7283 www.ForTheBestRate.com |
| Conv. |
53⁄8 |
1 |
5 |
1 |
| FHA/VA |
|
|
|
|
| Jumbo |
6 |
0* |
55⁄8 |
0* |
A Great Southern Mortgage
571-8444 Raleigh, 612-5426 Durham 960-3222 Chapel Hill |
| Conv. |
53⁄8 |
1⁄2 |
5 |
1 |
| FHA/VA |
|
|
|
|
| Jumbo |
57⁄8 |
0 |
53⁄4 |
0 |
AccessOne Mortgage Co.
787-6080 Ral., 523-9785 Cary 1-800-300-5474 |
| Conv. |
53⁄4 |
0 |
53⁄8 |
0 |
| FHA/VA |
|
|
|
|
| Jumbo |
61⁄8 |
0 |
57⁄8 |
0 |
Advantage Lending, LLC
532-7300 532-7302 |
| Conv. |
Call |
|
|
|
| FHA/VA |
For |
|
|
|
| Jumbo |
Quote |
|
|
|
Allegro Mortgage Services
265-0265 Chapel Hill, Durham 235-0265 Raleigh |
| Conv. |
55⁄8* |
0 |
53⁄8* |
0 |
| FHA/VA |
|
|
|
|
| Jumbo |
57⁄8 |
0 |
55⁄8 |
0 |
Alpha Mortgage Corp.
1-910-760-3013 1-800-457-0714 |
| Conv. |
53⁄4 |
0 |
51⁄2 |
0 |
| FHA/VA |
|
|
|
|
| Jumbo |
6 |
0 |
55⁄8 |
0 |
American Home Mortgage
787-9357 Nat’nl, 781-3573 SixFork 327-1700 W.Fst, 1-800-228-6217 |
| Conv. |
53⁄4 |
0 |
51⁄4 |
0 |
| FHA/VA |
6 |
0 |
6 |
0 |
| Jumbo |
57⁄8 |
0 |
55⁄8 |
0 |
American Mortgage Home, Inc.
789-8300 |
| Conv. |
Call |
|
|
|
| FHA/VA |
For |
|
|
|
| Jumbo |
Quote |
|
|
|
American Mortgage Resources
469-4172 469-4172 also weekends |
| Conv. |
55⁄8 |
0 |
53⁄8 |
0 |
| FHA/VA |
|
|
|
|
| Jumbo |
57⁄8 |
0 |
55⁄8 |
0 |
Assured Financial Group
676-2424 |
| Conv. |
57⁄8 |
0 |
51⁄2 |
0 |
| FHA/VA |
|
|
|
|
| Jumbo |
61⁄4 |
0 |
57⁄8 |
0 |
Bank of America Mortgage
829-6990 Ral, 569-2507 WF, 493-5086 Dur 367-7304 Apex, 829-6836 Cary |
| Conv. |
Call |
|
|
|
| FHA/VA |
For |
|
|
|
| Jumbo |
Quote |
|
|
|
BB&T Mortgage
453-1711 716-3570 |
| Conv. |
Call |
|
|
|
| FHA/VA |
For |
|
|
|
| Jumbo |
Quote |
|
|
|
Capital Bank
645-6449 Glwd, 861-2050 SxFks.653-0418 Ral 878-3100 Flls, 319-1049 Msvl.469-9400 Kildare |
| Conv. |
55⁄8 |
0 |
51⁄4 |
0 |
| FHA/VA |
6 |
0 |
61⁄2 |
0 |
| Jumbo |
57⁄8 |
0 |
55⁄8 |
0 |
Capital Mortgage Corp.
212-1450, 1-888-921-0030 www.capmortcorp.com |
| Conv. |
51⁄2 |
0** |
51⁄4 |
0** |
| FHA/VA |
|
|
|
|
| Jumbo |
6 |
0 |
55⁄8 |
0 |
Carolina Equity Services, Inc.
467-6192, 1-888-308-4405 www.CarolinaEquity.com |
| Conv. |
55⁄8 |
0* |
51⁄4 |
0* |
| FHA/VA |
51⁄2 |
0 |
5 |
0 |
| Jumbo |
6 |
0 |
55⁄8 |
0 |
Carolinas First Mortgage
510-5581 219-0003 Cary |
| Conv. |
55⁄8 |
0* |
51⁄4 |
0* |
| FHA/VA |
|
|
|
|
| Jumbo |
6 |
0 |
55⁄8 |
0 |
Carolina Home Loans, Inc.
388-1930 Cary-Preston Corners www.chloans.net 2.25 |
| Conv. |
55⁄8 |
0* |
51⁄4 |
0* |
| FHA/VA |
|
|
|
|
| Jumbo |
53⁄4 |
0 |
55⁄8 |
0 |
Chapel Hill Mortgage
967-2261 493-4858 |
| Conv. |
Call |
|
|
|
| FHA/VA |
For |
|
|
|
| Jumbo |
Quote |
|
|
|
Charles Holt & Assoc., Inc.
481-1889 1-800-358-9698 |
| Conv. |
51⁄2 |
0 |
51⁄4 |
0 |
| FHA/VA |
|
|
|
|
| Jumbo |
57⁄8 |
0 |
55⁄8 |
0 |
Coastal Federal Credit Union
420-8111, Toll Free1-800-868-4262 www.coastalfcu.org |
| Conv. |
Call |
call |
|
5/1 ARM |
| FHA/VA |
63⁄8 |
0 |
61⁄8 |
0 |
| Jumbo |
Call |
|
call |
|
Coastal Mortgage
380-0592 or toll free 1-877-380-0592, 740-9203 Weekend |
| Conv. |
55⁄8 |
0* |
51⁄4 |
0* |
| FHA/VA |
51⁄2 |
0 |
51⁄4 |
0 |
| Jumbo |
57⁄8 |
0 |
55⁄8 |
0 |
Corchiani Mortgage
division of DNJ Mortgage 468-9537, 1-888-243-4622 |
| Conv. |
Call |
|
|
|
| FHA/VA |
For |
|
|
|
| Jumbo |
Quote |
|
|
|
Corporate Investors Mortgage
676-1111 Raleigh, 383-9166 Durham 929-6116 Chapel Hill |
| Conv. |
55⁄8 |
0 |
51⁄4 |
0 |
| FHA/VA |
53⁄4 |
0 |
|
|
| Jumbo |
57⁄8 |
0 |
51⁄2 |
0 |
Countrywide Home Loan
873-1974 Ral, 233-5150 Cary 662-8032 Clayton, 367-0073 Apex |
| Conv. |
Call |
|
|
|
| FHA/VA |
For |
|
|
|
| Jumbo |
Quote |
|
|
|
Crescent State Bank
552-6590 Hly Spr., 662-7330 Gar. 303-1473 Apex, 550-2050 Clayton |
| Conv. |
53⁄4 |
0 |
53⁄8 |
0 |
| FHA/VA |
|
|
|
|
| Jumbo |
6 |
0 |
53⁄4 |
0 |
CTX Mortgage Company
783-7890 Ral, 554-8883 WakeFor. 854-4457 Cry, 359-8310 Clay, 488-0043 WkFld. |
| Conv. |
Call |
|
|
|
| FHA/VA |
For |
|
|
|
| Jumbo |
Quote |
|
|
|
Equity Services
870-8107, 678-1133, 573-6114 462-6642, 875-4439 Wknd |
| Conv. |
Call |
|
|
|
| FHA/VA |
For |
|
|
|
| Jumbo |
Quote |
|
|
|
First Charter Bank
573-1910, 573-1913 573-1914, 573-1915 |
| Conv. |
53⁄4 |
0 |
53⁄8 |
0 |
| FHA/VA |
|
|
|
|
| Jumbo |
61⁄8 |
0 |
53⁄4 |
0 |
First Flight FCU
851-5690, 800-807-0766 X2259N.Bern 800-807-0766 X2507 Greenville |
| Conv. |
Call |
|
|
|
| FHA/VA |
For |
|
|
|
| Jumbo |
Quote |
|
|
|
First Horizon Home Loans
851-3115, No. Ral. 431-9588 1-800-209-9411 |
| Conv. |
53⁄4 |
1⁄2 |
51⁄2 |
3⁄4 |
| FHA/VA |
53⁄4 |
3⁄8 |
51⁄2 |
0 |
| Jumbo |
6 |
1⁄2 |
53⁄4 |
3⁄4 |
First Mortgage Corp.
845-0486 |
| Conv. |
53⁄4 |
0 |
51⁄2 |
0 |
| FHA/VA |
53⁄4 |
0 |
51⁄2 |
0 |
| Jumbo |
6 |
0 |
57⁄8 |
0 |
Foundation Mortgage Corp.
910-793-4009 1-800-966-4009 |
| Conv. |
51⁄2 |
0 |
51⁄8 |
0 |
| FHA/VA |
|
|
|
|
| Jumbo |
6 |
0 |
51⁄2 |
0 |
Glenwood Ave/Equity Services
573-6114 971-1992 |
| Conv. |
51⁄2 |
5⁄8* |
51⁄4 |
1⁄8* |
| FHA/VA |
|
|
|
|
| Jumbo |
57⁄8 |
1⁄8 |
51⁄2 |
1⁄8 |
GMAC Mortgage
790-0112 |
| Conv. |
Call |
|
|
|
| FHA/VA |
For |
|
|
|
| Jumbo |
Quote |
|
|
|
Home Mortgage of NC, Inc.
783-0555 Ral. 467-7172 Cary 1-888-684-5674 |
| Conv. |
51⁄2 |
3⁄4 |
51⁄8 |
3⁄4 |
| FHA/VA |
|
|
|
|
| Jumbo |
53⁄4 |
1 |
53⁄8 |
1 |
Integrity Residential Mtg.Group
787-3100, 676-3120 www.integrityresidentialcorp.com |
| Conv. |
Call |
|
|
|
| FHA/VA |
For |
|
|
|
| Jumbo |
Quote |
|
|
|
Market Consulting Mortgage
1-800-970-8859 910-200-8859, 910-509-7105 |
| Conv. |
55⁄8 |
0 |
51⁄4 |
0 |
| FHA/VA |
|
|
|
|
| Jumbo |
6 |
0 |
55⁄8 |
0 |
MetLife Bank
919-782-2525 |
| Conv. |
call |
|
call |
|
| FHA/VA |
|
|
|
|
| Jumbo |
call |
|
call |
|
Mortgage Servicing, Inc.
881-9639 Raleigh |
| Conv. |
55⁄8 |
0 |
51⁄2 |
0 |
| FHA/VA |
|
|
|
|
| Jumbo |
57⁄8 |
0 |
55⁄8 |
0 |
National City Mortgage
848-2117 Ral., 1-800-336-7429 462-6700 Cry, 359-2000 Clay, 1-800-490-9977 |
| Conv. |
Call |
|
|
|
| FHA/VA |
For |
|
|
|
| Jumbo |
Quote |
|
|
|
National Mortgage
573-1017 X106 (New Name: First Medallion Mtg.) |
| Conv. |
Call |
|
|
|
| FHA/VA |
For |
|
|
|
| Jumbo |
Quote |
|
|
|
Nationwide Mortgage
601-3059 |
| Conv. |
51⁄2 |
0 |
51⁄4 |
0 |
| FHA/VA |
call |
|
|
|
| Jumbo |
call |
|
|
|
North State Bank
645-2727, 645-3190 NRal, 645-2755 Gnr 645-2748 WRal, 562-9985 W Fst |
| Conv. |
53⁄4 |
0* |
51⁄2 |
0* |
| FHA/VA |
|
|
|
|
| Jumbo |
61⁄8 |
0* |
57⁄8 |
0* |
SouthBank
510-6733 Raleigh, 388-8462 Cary 682-5531 Durham |
| Conv. |
53⁄4 |
0 |
53⁄8 |
0 |
| FHA/VA |
51⁄2 |
0 |
51⁄2 |
0/0 |
| Jumbo |
57⁄8 |
0 |
55⁄8 |
0 |
Southeastern Mortgage Co.
571-2505 |
| Conv. |
55⁄8 |
0 |
53⁄8 |
0 |
| FHA/VA |
51⁄2 |
0 |
|
|
| Jumbo |
6 |
0 |
53⁄4 |
0 |
SunTrust Mortgage, Inc.
571-6315 Ral, 380-2689 Cry, 932-2736 CHill 562-9487 W.Fst, 683-7507 Dur, 785-5031 C.Green |
| Conv. |
Call |
|
|
|
| FHA/VA |
For |
|
|
|
| Jumbo |
Quote |
|
|
|
Unisource Mortgage Services
929-6654 C.Hill, 1-866-929-6654 www.unisourcemortgageservices.com |
| Conv. |
51⁄2 |
0 |
53⁄8 |
0 |
| FHA/VA |
|
|
|
|
| Jumbo |
53⁄4 |
0 |
55⁄8 |
0 |
Wachovia Bank, N.A. Mortg.
571-3818 & 874-1810 Ral, 678-1800 Cry 419-3550 Dur, 968-1798 Chapel Hill |
| Conv. |
Call |
|
|
|
| FHA/VA |
For |
|
|
|
| Jumbo |
Quote |
|
|
|
White Oak Mortgage Group
201-2603 Raleigh/Cary area |
| Conv. |
Call |
|
|
|
| FHA/VA |
For |
|
|
|
| Jumbo |
Quote |
|
|
|
YSU Lending
881-9994, 582-1722, 582-1670 582-1650, 653-2640, 960-8951 |
| Conv. |
Call |
|
|
|
| FHA/VA |
For |
|
|
|
| Jumbo |
Quote |
|
|
|
+ 1 Year Treasury Bill
++3 Year Treasury Bill
LTV - Loan to Value Ratio
CAPS - Annual Cap/Life
Cap margin - Percent added to Index to determine Rate Change
0/0=0% origination & points
ATTENTION READERS: Data is obtained from Raleigh offices and is subject to change at any time. 1% origination fee assumed unless otherwise noted. Processing or underwriting fees are not included in data. Please contact lenders for specific loan rate quotes, fees and APR. As this is only a sampling, this data does comply with Reg. "Z". The maximum loan amount (as of 1/1/06) for a conventional fixed rate 30 yr. or 15 yr. loan is $417,000.00. Jumbo loans are over $417,000.00 with varying maximum loan amounts and downpayments. For FHA maximum loan amounts, contact lenders by counties.
Some lender charges differ for refinancing. For more specific information on home refinancing, please call the lenders direct as this survey does not sample for refinance data.
Mortgage Information Services, Inc.
P.O. Box 18239
Raleigh, NC 27619
1-919-781-1705
THE INFORMATION CONTAINED IN THIS SURVEY DOES NOT REPRESENT AN OFFERING TO CONSUMERS, CONTACT LENDERS FOR SPECIFIC QUOTE AND APRs
© 2007 M.I.S., Inc.
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