Contact Information

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Current Interest Rates *, **
FIXED CONFORMING
PROGRAM RATES APR Pmt Per
$1,000
30 YR 5.000% 5.025% $5.37
15 YR 4.250% 4.543% $7.65
10 YR 5.250% 5.313% $10.73
FIXED JUMBO
PROGRAM RATES APR Pmt Per
$1,000
30 YR 5.000% 5.025% $5.37
ARM
Click any ARM product for more information.
PROGRAM RATES APR Pmt Per
$1,000
10/1 Call For Quote    -      -
7/1 4.125% 5.106% $4.85
5/1 3.875% 5.221% $4.70
3/1 Call For Quote    -      -
Home Equity App
Current Interest Rates *, **
HOME EQUITY LINE OF CREDIT1
PROGRAM RATES APR Pmt Per
$1,000
20 YR 5.50% 5.50% $6.88
HOME EQUITY LOAN2
PROGRAM RATES As Low As APR Pmt Per
$1,000
10 YR 4.99% 4.99% $10.60
15 YR 4.99% 4.99% $7.90
20 YR 5.99% 5.99% $7.16
*Up to 80% Combined Loan To Value.
Other rates and terms available.
Pmt Per $1,000 does not include taxes
and insurance if applicable.
The actual obligation will be greater
than payment shown.

Credit Inquiries

The Fair Credit Reporting Act (FCRA) outlines specifically who can see your credit profile. Businesses must have a "legitimate business need," and a "permissible purpose," as stated in the federal law to obtain your credit file. Otherwise, only you, and only those who you give written permission, can access your credit files. Your neighbors, friends, co-workers, and even your family members cannot have access to your credit profile unless you authorize it. Some examples of those who can access your credit files are:

  • Credit Grantors
  • Collection Agencies
  • Insurance Companies
  • Employers

Any company that receives a copy of your credit profile will be listed under the "Inquiry" section of your report. An "inquiry" is a listing of the name of a credit grantor or authorized user who has accessed your credit file. Credit grantors post an inquiry before offering you a pre-approved credit card application. These are listed as "promotional" inquiries on your credit file because only your name and address were accessed, not your credit history information. They are NOT sent to credit grantors or businesses for reasons of credit reporting. They are listed for your informational purposes only. The Fair Credit Reporting Act (FCRA) is the federal law regulating credit reporting companies like Equifax, Experian, and TransUnion. It has been in effect since 1971 and undergoes periodic revisions by the Federal Trade Commission. This law protects consumers rights such as the right to review and contest information in their credit profiles. It also specifically defines who can access the information in a credit profile and how you are notified of this activity.