Welcome to Alan Efting's rates page. Complete an online application today!

Current posted rates are in effect as of 03/03/2010 7:42:30 PM Central Time.
Rates are subject to change without notice. 

30 Year Fixed Rate
RatePointsAPRLock Days
5.000%0.000%5.052%35
4.750%1.000%4.889%35
The APR is calculated using a loan amount of $250,000 and these typical fees.


FHA 30 year 96.5% Financing
RatePointsAPRLock Days
5.000%0.000%5.064%35
4.750%1.000%4.901%35
The APR is calculated using a loan amount of $200,000 and these typical fees.


15 Year Fixed Rate
RatePointsAPRLock Days
4.375%0.000%4.463%35
4.250%1.000%4.489%35
The APR is calculated using a loan amount of $250,000 and these typical fees.


10 Year Fixed Rate
RatePointsAPRLock Days
4.250%0.000%4.377%35
4.125%1.000%4.468%35
The APR is calculated using a loan amount of $250,000 and these typical fees.


30 year Fixed Interest Only
RatePointsAPRLock Days
5.375%0.000%5.427%35
5.125%1.000%5.266%35
The APR is calculated using a loan amount of $250,000 and these typical fees.


5/1 ARM 30 year Amortization
RatePointsAPRLock Days
3.875%0.000%3.372%35
3.625%1.000%3.383%35
The APR is calculated using a loan amount of $250,000 and these typical fees.


5/1 ARM Interest Only
RatePointsAPRLock Days
4.250%0.000%3.478%35
3.750%1.000%3.418%35
The APR is calculated using a loan amount of $250,000 and these typical fees.


7/1 ARM 30 year Amortization
RatePointsAPRLock Days
4.750%0.000%3.782%35
4.250%1.000%3.676%35
The APR is calculated using a loan amount of $250,000 and these typical fees.


7/1 ARM Interest Only
RatePointsAPRLock Days
4.750%0.000%3.614%35
4.250%1.000%3.557%35
The APR is calculated using a loan amount of $250,000 and these typical fees.


10/1 ARM 30 year Amortization
RatePointsAPRLock Days
5.125%0.000%4.204%35
4.750%1.000%4.096%35
The APR is calculated using a loan amount of $250,000 and these typical fees.


10/1 ARM Interest Only
RatePointsAPRLock Days
5.000%0.000%3.683%35
4.625%1.000%3.662%35
The APR is calculated using a loan amount of $250,000 and these typical fees.

Conventional Conforming rates are based on a credit score of 740 or higher and 80% loan to value for the PURCHASE of a primary residence.  Higher loan amounts may receive rates lower than posted and lower loan amounts may receive higher rates than posted.  Please call us for a quote.

Jumbos rates are based on a credit score of 740 or higher and 75% loan to value.

ARM loans quoted at 75% LTV with 740 minimum score.  Please call us for a quote.

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