APR rate. No point, no lender’s fee, no pre-pay penalty.
Conforming Loan Programs($424,100 or less)

30 Year Fixed 15 Year Fixed 7 Year ARM 5 Year ARM
3.750% 3.125% 3.375% 3.125%
  High Balance Loan ($424,100 to $636,150)

30 Year Fixed 15 Year Fixed 7 Year ARM 5 Year ARM
3.875% 3.250% 3.750%  3.125%
Jumbo Loan ($636,150 and up)

30 Year Fixed 15 Year Fixed 7 Year ARM 5 Year ARM
3.875% 3.375% 3.375% 3.250%

10-Yr Bond: 2.264