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| 15 Year Fixed Rate Zero Points |
| 15 Year Fixed Rate One Point |
| 20 Year Fixed Rate Zero Points |
| 20 Year Fixed Rate One Point |
| 30 Year Fixed Rate Zero Points |
| 30 Year Fixed Rate One Point |
| 40 Year Fixed Rate Zero Points |
| 40 Year Fixed Rate One Point |
| 15 Year Fixed Rate Bi-Weekly Zero Points |
| 15 Year Fixed Rate Bi-weekly One Point |
| 7/23 Balloon Fixed Rate One Point |
| 5/25 Balloon Fixed Rate One Point |
| 15 Year Non Conforming ARM |
| 15 Year Gold ARM |
| 20 Year Non Conforming ARM |
| 20 Year Gold ARM |
| 25 Year Non Conforming ARM |
| 25 Year Gold ARM |
Rates last updated on Friday, October 10, 2008
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15 Year Fixed Rate Zero Points
Term: 15 years
Maximum Amount: $417,000
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| Rates | Points | APR |
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| 6.75% | 0% | 6.79% |
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15 Year Fixed Rate One Point
Term: 15 years
Maximum Amount: $417,000
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| Rates | Points | APR |
|---|
| 6.25% | 1% | 6.448% |
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20 Year Fixed Rate Zero Points
Term: 20 years
Maximum Amount: $417,000
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| Rates | Points | APR |
|---|
| 7% | 0% | 7.032% |
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20 Year Fixed Rate One Point
Term: 20 years
Maximum Amount: $417,000
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| Rates | Points | APR |
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| 6.625% | 1% | 6.785% |
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30 Year Fixed Rate Zero Points
Term: 30 years
Maximum Amount: $417,000
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| Rates | Points | APR |
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| 7% | 0% | 7.025% |
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30 Year Fixed Rate One Point
Term: 30 years
Maximum Amount: $417,000
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| Rates | Points | APR |
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| 6.625% | 1% | 6.747% |
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40 Year Fixed Rate Zero Points
Term: 40 years
Maximum Amount: $417,000
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| Rates | Points | APR |
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| 8.5% | 0% | 8.822% |
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40 Year Fixed Rate One Point
Term: 40 years
Maximum Amount: $417,000
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| Rates | Points | APR |
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| 7.25% | 1% | 7.541% |
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15 Year Fixed Rate Bi-Weekly Zero Points
This is a 15 year loan with payments due every 14 days to be auto debited from a West Plains Bank & Trust Company checking or savings account.
Term: 15 years
Maximum Amount: $417,000
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| Rates | Points | APR |
|---|
| 7% | 0% | 7.049% |
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15 Year Fixed Rate Bi-weekly One Point
This is a 15 year loan with payments due every 14 days to be auto debited from a West Plains Bank & Trust Company checking or savings account.
Term: 15 years
Maximum Amount: $417,000
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| Rates | Points | APR |
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| 6.5% | 1% | 6.727% |
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7/23 Balloon Fixed Rate One Point
This is a seven year loan with payments amoritized over thirty years. At the end of the seven years, there is the option to refinance at the current market rate for the remainder of the 30 years.
Term: 30 years
Maximum Amount: $417,000
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| Rates | Points | APR |
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| 8.75% | 1% | 9.401% |
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5/25 Balloon Fixed Rate One Point
This is a five year loan with payments to be amortized over thirty years. At the end of the five years, there is an option to refinance at the current market rate for the remainder of the thirty year term.
Term: 30 years
Maximum Amount: $417,000
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| Rates | Points | APR |
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| 7.375% | 1% | 7.503% |
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15 Year Non Conforming ARM
Term: 15 years
Maximum Amount: $417,000
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| Rates | Points | APR |
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| 6% | 0% | 6.508% |
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15 Year Gold ARM
Term: 15 years
Maximum Amount: $417,000
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| Rates | Points | APR |
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| 5.5% | 0% | 6.007% |
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20 Year Non Conforming ARM
Term: 20 years
Maximum Amount: $417,000
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| Rates | Points | APR |
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| 6% | 0% | 6.506% |
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20 Year Gold ARM
Term: 20 years
Maximum Amount: $417,000
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| Rates | Points | APR |
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| 5.5% | 0% | 6.005% |
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25 Year Non Conforming ARM
Term: 25 years
Maximum Amount: $417,000
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| Rates | Points | APR |
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| 6% | 0% | 6.505% |
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25 Year Gold ARM
Term: 25 years
Maximum Amount: $417,000
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| Rates | Points | APR |
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| 5.5% | 0% | 6.004% |
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Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $50,000 with closing costs of $1,500. Jumbo Loans (whose maximum loan amount exceed $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $500,000 with closing costs of $3,000. Your actual APR may be different depending upon these factors.
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