Today's RATES | Atlantic Stewardship Bank

RESIDENTIAL MORTGAGE RATES 1-4 FAMILY PROPERTIES IN NEW JERSEY
Rates as of Wednesday, May 22, 2013

Click Here for Special Rates for Bergen, Passaic, and Morris County homes if your total family income is less than $72,720.

“ZERO CLOSING COST LOANS”

***No Title, Appraisal, Underwriting, and Credit Report Costs***

$400 refundable application fee will be refunded when your loan closes.
Application fee will not be refunded if the loan is not closed.

Fixed Rates Interest Rate APR Cost Per $1,000 Apply

30 Year Fixed to $417,000 3.750% 3.772% $4.63 Apply

30 Year Fixed to $625,000 4.000% 4.024% $4.77 Apply

30 Year Fixed to $1,500,000 4.000% 4.020% $4.77 Apply

20 Year Fixed to $417,000 3.625% 3.656% $5.86 Apply

20 Year Fixed to $625,000 3.625% 3.655% $5.86 Apply

20 Year Fixed to $1,500,000 3.625% 3.653% $5.86 Apply

15 Year Fixed to $417,000 3.000% 3.041% $6.91 Apply

15 Year Fixed to $625,000 3.125% 3.161% $6.97 Apply

15 Year Fixed to $1,500,000 3.125% 3.158% $6.97 Apply

10 Year Fixed to $417,000 2.875% 2.943% $9.60 Apply

10 Year Fixed to $625,000 3.000% 3.051% $9.66 Apply

10 Year Fixed to $1,500,000 3.000% 3.897% $9.66 Apply

Adjustable Rates

5/1 ARM to $1,500,000 3.000% 2.954% $4.22 Apply

7/1 ARM to $1,500,000 3.125% 3.021% $4.28 Apply

10/1 ARM to $1,500,000 3.875% 3.514% $4.70 Apply

Above rates are for rate/term refinances of a primary residence with a 740+ credit score and a maximum 75% loan to value. A higher rate may apply for lower credit scores, higher loan to value, cash out refinance, condominiums and 2-4 family homes. Condominiums are required to be Fannie Mae warrantable.

“WITH CLOSING COST LOANS” $500 application fee for 1 family homes, $595 application fee for 2-4 family homes
Fixed Rates	Interest Rate	APR	Cost Per $1,000	Apply
30 Year Fixed to $417,000	3.625%	3.702%	$4.56	Apply
30 Year Fixed to $625,000	3.875%	3.927%	$4.70	Apply
30 Year Fixed to $1,500,000	3.875%	3.901%	$4.70	Apply

20 Year Fixed to $417,000	3.500%	3.608%	$5.80	Apply
20 Year Fixed to $625,000	3.500%	3.569%	$5.80	Apply
20 Year Fixed to $1,500,000	3.500%	3.553%	$5.80	Apply

15 Year Fixed to $417,000	2.750%	2.886%	$6.79	Apply
15 Year Fixed to $625,000	3.000%	3.085%	$6.91	Apply
15 Year Fixed to $1,500,000	3.000%	3.066%	$6.91	Apply

10 Year Fixed to $417,000	2.625%	2.823%	$9.48	Apply
10 Year Fixed to $625,000	2.875%	2.998%	$9.60	Apply
10 Year Fixed to $1,500,000	2.875%	2.966%	$9.60	Apply
Adjustable Rates
5/1 ARM to $1,500,000	2.750%	2.911%	$4.08	Apply
7/1 ARM to $1,500,000	2.875%	3.021%	$4.15	Apply
10/1 ARM to $1,500,000	3.625%	3.359%	$4.56	Apply

Above rates are for purchases or refinances of a primary residence with a 620+ credit score and a maximum 95% loan to value. A higher rate may apply for lower credit scores, higher loan to value, cash out refinance, condominiums and 2-4 family homes. Condominiums are required to be Fannie Mae warrantable. Private Mortgage Insurance is requires on all loans over an 80% Loan to Value.

“SPECIAL RATES” For Homes in Bergen & Passaic Counties and total family income is less than $72,720 or For Homes in Morris County and total family income is less than $71,280. $500 application fee for 1 family homes, $595 application fee for 2 family homes
Product	Interest Rate	APR	Cost Per $1,000	Apply
30 Year Fixed Loan Amt to $417,000	3.375%	3.451%	$4.42	Apply
15 Year Fixed Loan Amt to $417,000	2.500%	2.635%	$6.67	Apply
5/1 ARM Loan Amt to $417,000	2.500%	2.985%	$3.95	Apply

Above rates are for purchses or refinances of a primary residence with a 620+ credit score and a maximum 90% loan to value. A higher rate may apply for lower credit scores, higher loan to value, cash out refinance, condominiums and 2 family homes. Condominiums are required to be Fannie Mae warrantable. Private Mortgage Insurance is required on all loans over an 80% Loan to Value.

Mortgage Rates