R Mortgage and Real Estate Services

Rates

Conforming Loan Amounts up to $417,000 *


30 Year Fixed Rates			15 Year Fixed Rates
Rate	Points	A.P.R.	Rate	Points	A.P.R.
5.625%	1	5.820	5.125%	1	5.314
5.750%	0.25	5.885	5.250%	0.875	5.438
5.875%	0	5.987	5.500%	0	5.610

7/1 ARM			5/1 ARM
Rate	Points	A.P.R.	Rate	Points	A.P.R.
5.375%	0.75	5.544	4.875%	1	5.061
5.625%	0.375	5.770	5.000%	0.625	5.163
5.750%	0	5.861	5.375%	0	5.484

3/1 ARM
Rate	Margin	Points	Cap	A.P.R.
5.000%	2.75	0.625	11.000%	5.154
5.125%	2.75	0.375	11.125%	5.266
5.375%	2.75	0	11.375%	5.484

*Rates are as of January 9, 2006 @11:00 am PST
and are for a 30 day lock period.
Other lock periods, programs, etc. Rates are negotiable and
subject to change.
Call us at 510-537-2972 or email us for an individualized quote.

Jumbo Loan Amounts Greater....$417,000 *

30 Year Fixed Rates 15 Year Fixed Rates

Rate Points A.P.R. Rate Points A.P.R.

5.750% 1.25 5.970 5.250% 1.625 5.498

5.875% 0.875 6.070 5.625% 0.875 5.817

6.125% 0 6.239 5.875% 0 5.987

7 /1 ARM 5/1 ARM

Rate Points A.P.R. Rate Points A.P.R.

5.625% 0.75 5.796 5.375% 0.5 5.521

5.875% 0.125 5.999 5.500% 0.375 5.644

6.000% 0 6.113 5.625% 0 5.735

3/1 ARM

Rate Margin Points Cap A.P.R.

5.250% 2.75 0.5 11.250% 5.394

5.375% 2.75 0.25 11.375% 5.507

5.625% 2.75 0 11.625% 5.735

*Rates are as of January 9, 2006 @11:00 am PST
and are for a 30 day lock period.
Other lock periods, programs, etc. Rates are negotiable and
subject to change.
Call us at 510-537-2972 or email us for an individualized quote.

R Mortgage and Real Estate Services
Website: RHomesandLoans.com
Office: 510-537-2972 | Email info@rhomesandloans.com

Loan Types | Loan Application | Rates | Credit Report
Calculator | Resources | Client Comments
Our Team | Contact Us

For Real Estate Services

Serving Hayward, Castro Valley, San Leandro, Union CityFremont, San Lorenzo and surrounding communities.

Serving Hayward, Castro Valley, San Leandro, Union City
Fremont, San Lorenzo and surrounding communities.