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Competitive Rates

Home Loan Rates current as of April 9, 2012 Conforming Loan Amounts - $417,000 or less

30 Year Fixed 30 Year Fixed 15 Year Fixed 15 Year Fixed FHA 30 Year Fixed VA 30 Year Fixed Construction/Perm

(Construction loans are based on a 9 month lock)

3.875% 3.625% 3.125% 2.875% 3.500% 3.500% 4.500%

0.000% 1.000% 0.000% 0.750% 0.000% 0.000% 1.000%

4.073% 3.819% 3.264% 3.012% 4.295% 3.882% 4.702%

1

4.375%

0.750%

4.554%

8

2 3 4

5 6

7

Non-Conforming Loan Amounts

30 Year Fixed Jumbo Payment Examples:

Monthly payments do not include taxes and insurance premiums. Actual monthly payment obligation will be greater. 1. The APR* is based on a loan amount of $200,000, assuming a 20% down payment. 360 monthly principal and interest payments of $940.47. 2. The APR* is based on a loan amount of $200,000, assuming a 20% down payment. 360 monthly principal and interest payments of $912.10. 3. The APR* is based on a loan amount of $200,000, assuming a 20% down payment. 180 monthly principal and interest payments of $1,393.22. 4. The APR* is based on a loan amount of $200,000, assuming a 20% down payment. 180 monthly principal and interest payments of $1,369.17. 5. The APR* is based on a total loan amount of $243,662, assuming a 3.5% down payment. An FHA upfront mortgage insurance premium of $2,412 has been financed in addition to the base loan amount of $241,250. 360 monthly principal and interest payments of $1,094.15. 6. The APR* is based on a total loan amount of $258,250, assuming a 0% down payment. A VA funding fee of $8,250 has been financed in addition to the base loan amount of $250,000 and is based on regular military first time use of VA entitlement. 360 monthly principal and interest payments of $1,159.66. 7. The APR* is based on a loan amount of $200,000, assuming a 20% down payment. 9 monthly interest only payments of $750.00 during construction period (assumes entire loan amount has been drawn). After the construction period, 360 monthly principal and interest payments of $1,013.37. 8. The APR* is based on a loan amount of $417,001, assuming a 25% down payment. 360 monthly principal and interest payments of $2,082.02. Rates and fees are subject to change without notice and may vary depending on your loan amount, credit information, documentation type and loan purpose. All loans subject to credit approval. Certain fees and restrictions may apply.

Bank of the Pacific believes that choosing a lender isn’t just about competitive interest rates. Establishing relationships and finding ways to meet your specific home loan needs is our priority. Contact any of our knowledgeable Real Estate Loan Representatives today for more information and for any loan programs not listed here.

360.647.6000

or visit our website at

BankofthePacific.com

Home loan rates  

home loan rates as of 4-9-2012

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