ADJUSTABLE RATE
CONFORMING
Loan limits based on number of units
And county of subject property ^
Loan Rates
as low as
Loan Points APR * Introductory Period
Payment per $1,000 ^^
Adjustable Period
Payment per $1,000 ^^
5/1
Introductory Period: 60 Months
Adjustable Period: 300 Months
4.425%
4.450%
4.500%
0.188%
0.125%
0.000%
4.349%
4.353%
4.360%
$5.02
$5.04
$5.07
$5.43
$5.43
$5.43
7/1
Introductory Period: 84 Months
Adjustable Period: 276 Months
4.775%
4.825%
4.875%
0.200%
0.100%
0.000%
4.537%
4.553%
4.568%
$5.23
$5.26
$5.29
$5.70
$5.70
$5.70
10/1
Introductory Period: 120 Months
Adjustable Period: 240 Months
4.900%
4.950%
5.000%
0.350%
0.163%
0.000%
4.703%
4.719%
4.736%
$5.31
$5.34
$5.37
$6.21
$6.21
$6.21
JUMBO
Up to $2,500,000
Loan Rates
as low as
Loan Points APR * Introductory Period
Payment per $1,000 ^^
Adjustable Period
Payment per $1,000 ^^
5/1
Introductory Period: 60 Months
Adjustable Period: 300 Months
4.300%
4.400%
4.500%
0.800%
0.400%
0.000%
4.355%
4.358%
4.360%
$4.95
$5.01
$5.07
$5.43
$5.43
$5.43
7/1
Introductory Period: 84 Months
Adjustable Period: 276 Months
4.550%
4.650%
4.750%
1.000%
0.500%
0.000%
4.496%
4.502%
4.507%
$5.10
$5.16
$5.22
$5.70
$5.70
$5.70
10/1
Introductory Period: 120 Months
Adjustable Period: 240 Months
4.675%
4.775%
4.875%
1.200%
0.600%
0.000%
4.633%
4.645%
4.656%
$5.17
$5.23
$5.29
$6.21
$6.21
$6.21
* APR = Annual Percentage Rate.
^ Conforming loan amount limits:
Subject PropertyConforming Loan LimitHigh-Cost County Loan Limit
1-Unit$647,200$970,800
2-Unit$828,700$1,243,050
3-Unit$1,001650$1,502,425
4-Unit$1,244,850$1,867,275
Please contact a UNIFY Mortgage Lending Specialist at 877.254.9328 x 6213 to determine the maximum conforming amount for your county.
^^ All payments are shown per $1,000 financed, based on $400,000 conforming or $500,000 jumbo loan (except Home Equity Loan and Flex Rate Home Equity Line of Credit which are based on $250,000), and exclude taxes and insurance.
† Rate subject to change annually after introductory period. Rate change based on one-year CMT index plus a margin of 2.75%.
Loan approval: All applicants MUST meet loan approval criteria which are based on credit history, debts, ability to repay, home ownership and home value. A $500 non-refundable fee is charged once member indicates their intent to proceed with the transaction, after the loan estimate has been delivered in any manner. Acceptable forms of intent to proceed include, verbal communication by phone or in person, email, or a signed pre-printed form. Property Insurance required.
Rates as shown are available from 8am - 2pm Pacific time. After hours pricing is available at an additional cost. Rates are subject to change without notice and based on factors such as, but not limited to, loan-to-value, credit score, location, cash-out refinance and type of property (condo, multi-unit, etc.). Contact UNIFY for details on rate locks.