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Rates as of 08/28/2008
s
s s s s
Loan Type
Points
Interest Rate
APR
Monthly Cost Per $1000 Borrowed
Information
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1/1/30 Year ARM
0.00
5.000%
5.067%
$5.37
Loans Up To
$1 Million
1
1
1/1/30 Year ARM
0.00
5.250%
5.089%
$5.52
Loans Between
$1,000,001- $1,750,000 Million
1
1
1/1/30 Year ARM
0.00
5.500%
5.112%
$5.68
Loans Between
$1,750,001-$2,000,000 Million
1
1
 
3/1/30 Year ARM
0.00
5.500%
5.190%
$5.68
Loans Up To
$1 Million
1
1
3/1/30 Year ARM
0.00
5.750%
5.252%
$5.84
Loans Between
$1,000,001- $1,750,000 Million
1
1
3/1/30 Year ARM
0.00
6.000%
5.315%
$6.00
Loans Between
$1,750,001-$2,000,000 Million
1
1
 
3/3/30 Year ARM
0.00
5.750%
5.347%
$5.84
Loans Up To
$1 Million
1
1
3/3/30 Year ARM
0.00
6.000%
5.410%
$6.00
Loans Between
$1,000,001- $1,750,000 Million
1
1
3/3/30 Year ARM
0.00
6.250%
5.473%
$6.16
Loans Between
$1,750,001-$2,000,000 Million
1
1
 
5/1/30 Year ARM
0.00
5.750%
  5.355%
$5.84
Loans Up To
$1 Million
1
1
5/1/30 Year ARM
0.00
6.000%
5.454%
$6.00
Loans Between
$1,000,001- $1,750,000 Million
1
1
5/1/30 Year ARM
0.00
6.250%
5.553%
$6.16
Loans Between
$1,750,001-$2,000,000 Million
1
1
 
5/5/30 Year ARM
0.00
5.875%
5.792%
$5.92
Loans Up To
$1 Million
1
1
5/5/30 Year ARM
0.00
6.125%
5.891%
$6.08
Loans Between
$1,000,001- $1,750,000 Million
1
1
5/5/30 Year ARM
0.00
6.375%
5.991%
$6.24
Loans Between
$1,750,001-$2,000,000 Million
1
1
 
7/1/30 Year ARM
0.00
6.000%
5.574%
$6.00
Loans Up To
$1 Million
1
1
7/1/30 Year ARM
0.00
6.250%
5.704%
$6.16
Loans Between
$1,000,001- $1,750,000 Million
1
1
7/1/30 Year ARM
0.00
6.500%
5.836%
$6.32
Loans Between
$1,750,001-$2,000,000 Million
1
1
 
10/1/30 Year ARM
0.00
6.250%
5.892%
$6.16
Loans Up To
$1 Million
1
1
10/1/30 Year ARM
0.00
6.500%
6.062%
$6.32
Loans Between
$1,000,001- $1,750,000 Million
1
1
10/1/30 Year ARM
0.00
6.750%
6.234%
$6.49
Loans Between
$1,750,001-$2,000,000 Million
1
1

 

1

Above rates, APRs and terms apply to single family, owner-occupied contract sales and refinance loan amounts up to $2,000,000 for properties throughout New Jersey. 30 year payout terms, 2% per adjustment and 6% lifetime cap. The index for all 1 year conversion ARMs is the weekly average yield on the one year Treasury Security. The Index for the 3 year and 5 year conversion ARMs is the weekly average yield on the 3 year and 5 year Treasury Securities, respectively. Private mortgage insurance available for less than 20% down payment (5% minimum on special programs). Rates are subject to change without notice. Application fee of $440 for 1 family, $640 for 2-4 family homes and $460 for condo's and PUD's. Attorney review fee is $250. All ARM product rates and fees are subject to change after closing.

Equal Housing Lender | Member FDIC | Spencer Savings Bank | Subject property must be in New Jersey