United Country Home Mortgage - Your Home Team  
 
     

Testimonial
“. . . What I like most about dealing with United Country Home Mortgage is the high level of communication.  They keep me posted every step of the way, even on the smallest details . . . I expected to be kept “in the loop” through the entire transaction and they have done just that! Long story short . . . you guys do an outstanding job!” 

Jason Patton United Country-Bay River Realty, Callao VA
    

    
Rates as of 02/09/2012                                               (Loan Payment Examples)
    
  
Product
    		Rate Discount Origination APR Mo. Pmt per $1000
    
Conforming Fixed - 30 Year 4.000% 1.625% 0.000% 4.200% 4.77
  4.250% 1.000% 0.000% 4.399% 4.92
  4.500% 0.000% 0.000% 4.564% 5.07
 
Conforming Fixed - 20 Year 3.500% 1.875% 0.000% 3.800% 5.80
  4.000% 1.000% 0.000% 4.203% 6.06
  4.250% 0.000% 0.000% 4.337% 6.19
 
Conforming Fixed - 15 Year 3.250% 1.625% 0.000% 3.596% 7.03
  3.500% 1.000% 0.000% 3.756% 7.15
  3.750% 0.000% 0.000% 3.860% 7.27
 
Conforming Fixed - 10 Year 2.750% 2.000% 0.000% 3.325% 9.54
  2.950% 1.000% 0.000% 3.315% 9.63
  3.250% 0.000% 0.000% 3.406% 9.77
 
FHA - 30 Year Fixed 4.000% 1.000% 0.000% 4.577% 4.85
  4.250% 0.000% 0.000% 4.750% 4.99
 
FHA - 15 Year Fixed 3.250% 1.000% 0.000% 3.946% 7.13
  3.500% 0.000% 0.000% 4.054% 7.26
 
VA - 30 Year Fixed 4.250% 0.000% 0.000% 4.591% 5.08
 
VA - 15 Year Fixed 4.250% 0.000% 0.000% 4.848% 7.77
 
3YR ARM - APR may increase after consummation 2.875% 1.000% 0.000% 3.787% 4.15
  3.000% 0.000% 0.000% 3.735% 4.22
 
5YR ARM - APR may increase after consummation 2.500% 1.000% 0.000% 3.528% 3.95
  2.875% 0.000% 0.000% 3.580% 4.15
 
Jumbo - 30 Year Fixed 4.250% 2.000% 0.000% 4.485% 4.92
  4.500% 1.000% 0.000% 4.651% 5.07
 
Jumbo - 15 Year Fixed 3.250% 2.000% 0.000% 3.652% 7.03
  3.750% 1.000% 0.000% 4.008% 7.27
   
To obtain additional information on products or rates not listed below, please contact one of our Loan Officers.

If you would like further explanation on Annual Percentage Rates (APR) and how they are calculated, Contact Us.

For Personal Service, Call
 1-888-213-4222
 
    
The rates published on this page are applicable only to requests received from this site or by calling 888-213-4222. Mortgage rates published on this page are the current rates for a single-family, primary residence based on a 60-day lock period and are subject to change without notice. In order to receive a guaranteed rate, you must have applied for an application through U.S. Bank and received a verbal confirmation from a loan officer that your desired rate is locked. Your guaranteed mortgage rate will depend on factors such as current market conditions, loan product, occupancy, property type and your credit profile. Minnesota residents must receive a written confirmation as required by Minnesota Statute 47.2061.

1. This statement of current loan terms and conditions is not an offer to enter into an interest rate or discount point agreement.  Any such offer may be made only pursuant to subdivisions 3 and 4 of Minnesota Statutes Section 47.206.

Loan Product and APR Information

  • Conforming rates are for loan amounts not exceeding $417,000 ($625,500 in AK and HI)
  • Jumbo rates are for loan amounts exceeding $417,000 ($625,500 in AK and HI)
  • Adjustable-rate loans and rates are subject to change during the loan term. That change can increase or decrease your monthly payment.
  • Additional loan products, rates and lock periods are available.

Conforming Fixed, ARM
APR calculation assumes a $150,000 loan amount with a 20% down payment, estimated borrower paid finance charges of .75% of the loan amount plus discount and origination if applicable. If the down payment is less than 20%, mortgage insurance may be needed on the loan. 
This could increase the monthly payment and the APR.

Jumbo Fixed
APR calculation assumes a $500,000 loan amount with a 20% down payment, estimated borrower paid finance charges of .75% of the loan amount plus discount and origination if applicable. If the down payment is less than 20%, mortgage insurance may be needed on the loan. 
This could increase the monthly payment and the APR.

FHA Loans
Base loan amount assumed a 3.5% down payment. APR calculation assumes a $153,375 loan amount ($150,000 base loan amount plus $3,375 up-front mortgage insurance premium), estimated borrower paid finance charges of .75% of the loan amount, up-front mortgage insurance premium, monthly mortgage insurance, plus discount points and/or an origination fee may be charged, if applicable. The monthly principal and interest payment shown above does not include the FHA required monthly mortgage insurance payment.

VA Loans
Base loan amount assumed 100% financing. Actual loan amount assumed funding fee percentage based on veteran’s prior usage of entitlement. APR calculations assume a $154,950 loan amount ($150,000 base loan amount plus $4,950 VA Funding Fee), estimated borrower paid finance charges of .75% of the loan amount, VA Funding Fee, plus discount points and/or an origination fee may be charged, if applicable.
    
    
This information is not an advertisement to extend consumer credit as defined by Section 226.2 of Regulation
Z. This is not an offer to enter into an agreement regarding interest rates. Loan approval is subject to program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rate and program terms
are subject to change without notice. Rev. 5/08 Mortgage products offered by U.S. Bank National Association, Member FDIC. 040311-8149 FHA5
 
 
 
    

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