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VA 30 Year
| Rate | Points | APR |
|---|---|---|
| 2.750% | 0.000 | 3.056% |
| 2.625% | 0.625 | 2.975% |
| 2.500% | 0.875 | 2.860% |
| 2.375% | 1.250 | 2.765% |
VA 30 Year IRRRL
| Rate | Points | APR |
|---|---|---|
| 2.750% | 0.000 | 2.820% |
| 2.625% | 0.625 | 2.742% |
| 2.500% | 0.875 | 2.634% |
| 2.375% | 1.250 | 2.536% |
VA 15 Year IRRRL
| Rate | Points | APR |
|---|---|---|
| 2.875% | 0.000 | 3.005% |
| 2.750% | 0.375 | 2.932% |
| 2.625% | 0.625 | 2.841% |
| 2.500% | 0.875 | 2.750% |
The "995 Flat Fee" - CashCall Mortgage will charge an origination fee of just $995. CashCall Mortgage will pay the following third party closing costs on behalf of the Borrower: escrow/closing fees, appraisal fees, flood certification fees, signing fees, charges for title insurance and related fees, and credit report fees. The Borrower is responsible for paying: prepaid interest (including discount points), property taxes, state mortgage taxes, lender payoff fees, survey fees, inspections, VA funding fees, FHA mortgage insurance premium and any type of insurance. It is available on refinance transactions only. Minimum loan amount in CA, AL, AR, AZ, DC, IL, IN, KY, MI, MN, MS, NC, NE, NV, OH, RI, SD, UT, VA, VT,WI is $200,000. Minimum loan amount in AK, CO, FL, GA, HI, IA, ID, KS, LA, MO, MT, ND, NH, NJ, NM, OK, OR, PA, SC, TN, TX, WA, WV is $250,000. Borrower(s) with loan amounts under minimum requirements will be responsible for paying all charges associated with the transaction.
NJ is ineligible for the 995 origination fee due to state specific requirements.
Standard Adjustments. Applies to VA Products
| Loan Feature | Criteria | Add to Rate |
|---|---|---|
| State Adjustment Zone 1: | ||
| (CA,AL,AR,AZ,DC,IL,IN,KY, MI,MN,MS,NC,NE,NV,OH,RI, SD,UT,VA,VT,WI) |
||
| $200,000 - $249,999 | 0.375 | |
| $125,000 - $199,999 | 0.500 | |
| $100,000 - $124,999 | 0.625 | |
| State Adjustment Zone 2: | ||
| (CO,FL,GA,IA,KS,LA,MO,MT, ND,NH,NJ,SC,TN,WA,WV) |
||
| $200,000 - $249,999 | 0.375 | |
| $125,000 - $199,999 | 0.500 | |
| $100,000 - $124,999 | 0.750 | |
| State Adjustment Zone 3: | ||
| (AK,HI,ID,NM,OK,OR,PA,TX) | ||
| $250,000 - $299,999 | 0.375 | |
| $200,000 - $249,999 | 0.500 | |
| $125,000 - $199,999 | 0.625 | |
| $100,000 - $124,999 | 0.750 | |
| Cashout | 2.000 | |
| Condo (Excludes Detached) | 1.000 | |
| Self-Employed | 0.750 | |
VA FICO Grid - Applies to All VA Conforming Products
| FICO Range | Add to Rate | |
|---|---|---|
| 680-699 | 0.500 |
VA LTV Grid - Applies to All VA Products
| LTV Range | Add to Rate | |
|---|---|---|
| >90 | 1.000 | |
| 85.01-90 | 0.500 |
VA DTI Grid - Applies to All VA Products
| DTI Range | Add to Rate | |
|---|---|---|
| >40 | 0.250 | |
| 35.01-40 | 0.125 |
VA 30 Year High Balance
| Rate | Points | APR |
|---|---|---|
| 2.750% | 0.000 | 3.056% |
| 2.625% | 0.500 | 2.965% |
| 2.500% | 0.750 | 2.856% |
| 2.375% | 1.125 | 2.756% |
VA 30 Year IRRRL High Balance
| Rate | Points | APR |
|---|---|---|
| 2.750% | 0.000 | 2.820% |
| 2.625% | 0.500 | 2.732% |
| 2.500% | 0.750 | 2.625% |
| 2.375% | 1.125 | 2.527% |
The "995 Flat Fee" - CashCall Mortgage will charge an origination fee of just $995. CashCall Mortgage will pay the following third party closing costs on behalf of the Borrower: escrow/closing fees, appraisal fees, flood certification fees, signing fees, charges for title insurance and related fees, and credit report fees. The Borrower is responsible for paying: prepaid interest (including discount points), property taxes, state mortgage taxes, lender payoff fees, survey fees, inspections, VA funding fees, FHA mortgage insurance premium and any type of insurance. It is available on refinance transactions only. Minimum loan amount in CA, AL, AR, AZ, DC, IL, IN, KY, MI, MN, MS, NC, NE, NV, OH, RI, SD, UT, VA, VT,WI is $200,000. Minimum loan amount in AK, CO, FL, GA, HI, IA, ID, KS, LA, MO, MT, ND, NH, NJ, NM, OK, OR, PA, SC, TN, TX, WA, WV is $250,000. Borrower(s) with loan amounts under minimum requirements will be responsible for paying all charges associated with the transaction.
NJ is ineligible for the 995 origination fee due to state specific requirements.
Standard Adjustments - Applies to All VA Products
| Loan Feature | Add to Rate | |
|---|---|---|
| Cashout | 2.000 | |
| Condo (Excludes Detached) | 1.000 | |
| Self-Employed | 0.750 | |
VA FICO Grid - Applies to All VA Products
| FICO Range | Add to Rate | |
|---|---|---|
| 680-699 | 0.500 |
VA LTV Grid - Applies to All VA Products
| LTV Range | Add to Rate | |
|---|---|---|
| >90 | 1.000 | |
| 85.01-90 | 0.500 |
VA DTI Grid - Applies to All VA Products
| DTI Range | Add to Rate | |
|---|---|---|
| >40 | 0.250 | |
| 35.01-40 | 0.125 |
30 Year Fixed
| Rate | Points | APR |
|---|---|---|
| 2.750% | 0.000 | 2.781% |
| 2.625% | 0.125 | 2.665% |
| 2.500% | 0.250 | 2.549% |
| 2.375% | 1.375 | 2.508% |
15 Year Fixed
| Rate | Points | APR |
|---|---|---|
| 2.625% | 0.000 | 2.682% |
| 2.500% | 0.250 | 2.592% |
| 2.375% | 0.750 | 2.536% |
| 2.250% | 1.125 | 2.463% |
***No cost 45 day rate lock available on Purchase transactions!
The "995 Flat Fee" - CashCall Mortgage will charge an origination fee of just $995. CashCall Mortgage will pay the following third party closing costs on behalf of the Borrower: escrow/closing fees, appraisal fees, flood certification fees, signing fees, charges for title insurance and related fees, and credit report fees. The Borrower is responsible for paying: prepaid interest (including discount points), property taxes, state mortgage taxes, lender payoff fees, survey fees, inspections, VA funding fees, FHA mortgage insurance premium and any type of insurance. It is available on refinance transactions only. Minimum loan amount in CA, AL, AR, AZ, DC, IL, IN, KY, MI, MN, MS, NC, NE, NV, OH, RI, SD, UT, VA, VT,WI is $200,000. Minimum loan amount in AK, CO, FL, GA, HI, IA, ID, KS, LA, MO, MT, ND, NH, NJ, NM, OK, OR, PA, SC, TN, TX, WA, WV is $250,000. Borrower(s) with loan amounts under minimum requirements will be responsible for paying all charges associated with the transaction.
NJ is ineligible for the 995 origination fee due to state specific requirements.
Standard Adjustments. Applies to 15, 20, & 30 Year Fixed Rate
| Loan Feature | Criteria | Add to Rate |
|---|---|---|
| State Adjustment Zone 1: | ||
| (CA,AL,AR,AZ,DC,IL,IN,KY, MI,MN,MS,NC,NE,NV,OH,RI, SD,UT,VA,VT,WI) |
$250,000 - $299,999 | 0.375 |
| $200,000 - $249,999 | 0.500 | |
| $125,000 - $199,999 | 0.625 | |
| $100,000 - $124,999 | 0.750 | |
| State Adjustment Zone 2: | ||
| (CO,FL,GA,IA,KS,LA,MO,MT, ND,NH,NJ,SC,TN,WA,WV) |
$250,000 - $299,999 | 0.375 |
| $200,000 - $249,999 | 0.500 | |
| $125,000 - $199,999 | 0.625 | |
| $100,000 - $124,999 | 0.875 | |
| State Adjustment Zone 3: | ||
| (AK,HI,ID,NM,OK,OR,PA,TX) | $300,000 - $349,999 | 0.375 |
| $250,000 - $299,999 | 0.500 | |
| $200,000 - $249,999 | 0.625 | |
| $125,000 - $199,999 | 0.750 | |
| $100,000 - $124,999 | 0.875 | |
| Second Homes | 0.500 | |
| Self-Employed | 0.750 | |
| Condo (Excludes Detached) | 1.000 | |
| DTI >45% | 0.500 | |
Agency FICO/LTV Grid - Add to Rate
| FICO | LTV<=60 | 60.01-70 | 70.01-75 | 75.01-80 |
|---|---|---|---|---|
| 740+ | 0.000 | 0.125 | 0.125 | 0.250 |
| 720-739 | 0.000 | 0.125 | 0.250 | 0.500 |
| 700-719 | 0.125 | 0.250 | 0.625 | 0.750 |
Agency Cashout Refi FICO/LTV Grid - Add to Rate
| FICO | LTV<=60 | 60.01-70 | 70.01-75 | 75.01-80 |
|---|---|---|---|---|
| 740+ | 0.875 | 1.000 | ||
| 720-739 | 0.875 | 1.000 | ||
| 700-719 | 1.250 | 1.250 |
High Balance 30 Year Fixed
| Rate | Points | APR |
|---|---|---|
| 3.500% | 0.000 | 3.534% |
| 3.375% | 0.375 | 3.439% |
| 3.250% | 0.750 | 3.343% |
| 3.125% | 0.750 | 3.217% |
High Balance 15 Year Fixed
| Rate | Points | APR |
|---|---|---|
| 3.625% | 0.750 | 3.772% |
| 3.250% | 0.125 | 3.304% |
| 3.125% | 0.250 | 3.196% |
| 2.875% | 0.000 | 2.909% |
***No cost 45 day rate lock available on Purchase transactions!
The "995 Flat Fee" - CashCall Mortgage will charge an origination fee of just $995. CashCall Mortgage will pay the following third party closing costs on behalf of the Borrower: escrow/closing fees, appraisal fees, flood certification fees, signing fees, charges for title insurance and related fees, and credit report fees. The Borrower is responsible for paying: prepaid interest (including discount points), property taxes, state mortgage taxes, lender payoff fees, survey fees, inspections, VA funding fees, FHA mortgage insurance premium and any type of insurance. It is available on refinance transactions only. Minimum loan amount in CA, AL, AR, AZ, DC, IL, IN, KY, MI, MN, MS, NC, NE, NV, OH, RI, SD, UT, VA, VT,WI is $200,000. Minimum loan amount in AK, CO, FL, GA, HI, IA, ID, KS, LA, MO, MT, ND, NH, NJ, NM, OK, OR, PA, SC, TN, TX, WA, WV is $250,000. Borrower(s) with loan amounts under minimum requirements will be responsible for paying all charges associated with the transaction.
NJ is ineligible for the 995 origination fee due to state specific requirements.
Standard Adjustments. Applies to 15, 20, & 30 Year Fixed Rate
| Loan Feature | Add to Rate | ||
|---|---|---|---|
| Second Homes | 0.500 | ||
| Self-Employed | 0.750 | ||
| Condo (Excludes Detached) | 1.000 | ||
| 45% | 0.500 | ||
Agency FICO/LTV Grid - Add to Rate
| FICO | LTV<=60 | 60.01-70 | 70.01-75 | 75.01-80 |
|---|---|---|---|---|
| 740+ | 0.000 | 0.125 | 0.125 | 0.250 |
| 720-739 | 0.000 | 0.125 | 0.250 | 0.500 |
| 700-719 | 0.125 | 0.250 | 0.625 | 0.750 |
Agency Fixed Cash Out Refi FICO/LTV Grid - Applies to all Conventional Products - Add to Rate
| FICO | LTV<=60 | 60.01-70 | 70.01-75 | 75.01-80 |
|---|---|---|---|---|
| 740+ | 0.875 | 1.000 | ||
| 720-739 | 0.875 | 1.000 | ||
| 720-739 | 1.250 | 1.250 |
Agency High Balance Adjusters - Add to Conforming Fixed Rate Adjusters Above
| Loan Feature | Add to Rate |
|---|---|
| High Balance Cashout | 0.375 |
Compare our rates to the competition at a glance.
| Today's Low Fixed Rates | |||
|---|---|---|---|
| Rate | Points | APR | |
| 15 Yr Fixed | 2.625% | $995 Flat Fee | 2.682% |
| Fannie Mae HB 15 Yr Fixed | 2.875% | $995 Flat Fee | 2.909% |
| 30 Yr Fixed | 2.750% | $995 Flat Fee | 2.781% |
| Fannie Mae HB 30 Yr Fixed | 3.500% | $995 Flat Fee | 3.534% |
| Compare Our Rates | |||
|---|---|---|---|
| 30 Year Fixed | Rate | Points | APR |
| CashCall Mortgage | 2.990 | 0.000 | 3.032 |
| Bank of America | 3.125 | 0.929 | 3.252 |
| Wells Fargo | 3.375 | 0.500 | 3.480 |
| Chase | 3.500 | 1.000 | 3.584 |
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Rates effective as of: 08/13/20 08:26 AM