Today's Rates: July 28, 2011  | | | | | Conforming1 Loan Rate | | FHA | | | | | | | | | 30 Year
Fixed | | 15 Year
Fixed | | 30 Year
Fixed | | | | | Interest Rate | | 4.625% | | 3.75% | | 4.375% | | | | | Annual Percentage Rate (APR) | | 4.812% | | 4.069% | | 5.385% | | | | | Monthly Payment | | $899.75 | | $1,272.64 | | $1,048.94 | | | | | Payment Term | | 30 YEARS | | 15 YEARS | | 30 YEARS | | | | | Loan Amount | | $175,000 | | $175,000 | | $175,000 | | | | | Est. Prepaid Finance Charges | | $3,750 | | $3,750 | | $3,750 | | | | | Down Payment | | 25% | | 25% | | 3.5% | | | Be aware that mortgage rates can change without notice and apply only in certain conditions. The APR for the loan products shown reflects the interest rates and estimated prepaid finance charges which include 1% of your loan amount to be paid toward the loan origination charge, but does not include all closing costs or discount points. The displayed rates assume that you're purchasing a single-family primary residence with a 60-day-lock. These mortgage rates are based upon a variety of assumptions and conditions which include a consumer credit score which may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit profile up to the time of closing. The monthly payment amount displayed includes principal and interest only. The payment amount does not include homeowner's insurance or property taxes which must be paid in addition to your loan payment. Conventional loans with a down payment less than 20% require mortgage insurance which could increase the monthly payment and APR. FHA loans require both an upfront and an annual mortgage insurance premium. The upfront fee is $1,750.00. The annual premium varies based on individual credit scores, your loan-to-value ratio and the loan term. For the FHA loan, a mortgage insurance payment has been added to the monthly principal and interest payment displayed above. 1 Conforming loan amounts for certain loan products have increased in federally designated metropolitan areas. Larger limits available in the state of Hawaii. To find out if these new loan limits can help meet your needs, contact us. Moving Beyond Credit Challenges |
Homeownership can be the foundation for building a more secure financial future. Wells Fargo Home Mortgage can work with you to find a home financing solution that can help you get on a path to solid financial footing, even if you're facing temporary credit problems.
Take advantage of the opportunity for you to better manage your credit. It may be the first step towards stabilizing your financial situation, and building wealth.
Learn more or start the application process online. You can also call us at 208-765-3004 so our home mortgage consultants can address your individual needs.
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