Interest Rates
Below are the ~ current Conforming and High Balance Conforming 30-Yr Fixed mortgage rates available (with 0 Pts). Rates and APR's will vary depending on Borrower FICO scores, Percentage of Equity in the Subject Property, whether it's a Primary Residence or Investment Property, whether it's a Condo or a Single Family Home, and/or whether you're willing to pay all or part of the standard origination charges or otherwise want a "no cost" loan.
"Conforming" Loans are loans up to $417,000
"High Balance Conforming" Loans are loan values between $417,001 and $625,000.
Also, if you plan on applying less than a 20% downpayment/equity on your home purchase, your rate will be higher due to LPMI (Lender Paid Mortgage Insurance). How "much" higher will depend on the percentage your downpayment between the 5% and 19%.
Bay Area Mortgage Alliance offers the best home loan rates you will find anywhere.
If you're looking into a New Residential Purchase Loan or a Loan for Refinancing, please call George Sudol at 408-431-6116 or email her at george@ba-realtyservices.com for a rate quote.
Our Rates
| Mortgage | Rate | APR | Points | Lock |
| 30-Yr Fixed Comforming | 3.5% | 3.5% | 0 | 30 |
| 30-Yr Fixed High Balance Conforming | 3.875% | 3.875% | 0 | 30 |
| 15-Yr Fixed Conforming | 2.875% | 2.875% | 0 | 30 |
| 15-Yr Fixed High Balance Conforming | 3.875% | 3.875% | 0 | 30 |
