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Viewpoint Financial offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide loans for the purchase of a home and the refinance of a home.

Informational note: Points are generally a cost to the Borrower to obtain a specific interest rate. Below, a minus sign preceeding a Point quote (i.e. -0.500% beneath the word "Points") denotes a credit to the Borrower instead of a cost to the Borrower.

Please Note, effective September 1, 2014 our Minimum Loan Amount is $90,000.

 
Jumbo / Non-Conforming, 10-year & 15-year Fixed
Jumbo / Non-Conforming, 30-year Fixed
Conventional - High Balance / Super Conforming, 15-year Fixed
Conventional - High Balance / Super Conforming, 30-year Fixed
Conforming Conventional, 10-year Fixed
Conforming Conventional, 15-year Fixed
Conforming Conventional, 20-year Fixed
Conforming Conventional, 30-year Fixed
Government - FHA 15-year Fixed
Government - FHA 30-year Fixed
Government - VA 15-year Fixed
Government - VA 30-year Fixed
Government - USDA 30-year Fixed

Rates last updated on Wednesday, January 11, 2017

Jumbo / Non-Conforming, 10-year & 15-year Fixed

Pricing for this product ("Points", including those with a credit as explained above) include an interest rate lock period of 15 days. You may estimate one-quarter of a point, .250 as a decimal, for each additional 15-day period for an interest rate lock.

Term: 15 years   Maximum Amount: $1,000,000
RatesAPRPoints
3.75%4.383%2.941%
3.875%4.453%2.572%
4%4.529%2.247%

Jumbo / Non-Conforming, 30-year Fixed

Pricing for this product ("Points", including those with a credit as explained above) include an interest rate lock period of 30 days. You may estimate one-quarter of a point, .250 as a decimal, for each additional 15-day period for an interest rate lock.

Term: 30 years   Maximum Amount: $1,000,000
RatesAPRPoints
4.125%4.503%3.135%
4.5%4.772%1.862%
4.625%4.867%1.505%

Conventional - High Balance / Super Conforming, 15-year Fixed

Pricing for this product ("Points", including those with a credit as explained above) include an interest rate lock period of 15 days. You may estimate one-quarter of a point, .250 as a decimal, for each additional 15-day period for an interest rate lock.

Term: 15 years   Maximum Amount: $625,500
RatesAPRPoints
3.625%4.002%0.038%
3.75%4.111%-0.079%
3.875%4.178%-0.47%

Conventional - High Balance / Super Conforming, 30-year Fixed

Pricing for this product ("Points", including those with a credit as explained above) include an interest rate lock period of 15 days. You may estimate one-quarter of a point, .250 as a decimal, for each additional 15-day period for an interest rate lock.

Term: 30 years   Maximum Amount: $625,500
RatesAPRPoints
4.5%4.666%-0.579%
4.75%4.8%-1.93%
4.857%4.861%-2.452%

Conforming Conventional, 10-year Fixed

Pricing for this product ("Points", including those with a credit as explained above) include an interest rate lock period of 15 days. You may estimate one-quarter of a point, .250 as a decimal, for each additional 15-day period for an interest rate lock.

Term: 10 years   Maximum Amount: $417,000
RatesAPRPoints
3.375%3.975%0.294%
3.5%4.022%-0.069%
3.625%4.081%-0.378%

Conforming Conventional, 15-year Fixed

Pricing for this product ("Points", including those with a credit as explained above) include an interest rate lock period of 15 days. You may estimate one-quarter of a point, .250 as a decimal, for each additional 15-day period for an interest rate lock.

Term: 15 years   Maximum Amount: $417,000
RatesAPRPoints
3.5%3.889%0.125%
3.625%3.94%-0.373%
3.75%3.998%-0.829%

Conforming Conventional, 20-year Fixed

Pricing for this product ("Points", including those with a credit as explained above) include an interest rate lock period of 15 days. You may estimate one-quarter of a point, .250 as a decimal, for each additional 15-day period for an interest rate lock.

Term: 20 years   Maximum Amount: $417,000
RatesAPRPoints
3.875%4.23%0.532%
4%4.269%-0.201%
4.125%4.309%-0.927%

Conforming Conventional, 30-year Fixed

Pricing for this product ("Points", including those with a credit as explained above) include an interest rate lock period of 15 days. You may estimate one-quarter of a point, .250 as a decimal, for each additional 15-day period for an interest rate lock.

Term: 30 years   Maximum Amount: $417,000
RatesAPRPoints
3.875%4.221%1.576%
4.125%4.341%0.041%
4.25%4.409%-0.631%

Government - FHA 15-year Fixed

Pricing for this product ("Points", including those with a credit as explained above) include an interest rate lock period of 15 days. You may estimate one-quarter of a point, .250 as a decimal, for each additional 15-day period for an interest rate lock.

Term: 15 years   Maximum Amount: $417,000
RatesAPRPoints
3.25%3.756%0.915%
3.375%3.82%0.504%
3.5%3.889%0.126%

Government - FHA 30-year Fixed

Pricing for this product ("Points", including those with a credit as explained above) include an interest rate lock period of 15 days. You may estimate one-quarter of a point, .250 as a decimal, for each additional 15-day period for an interest rate lock.

Term: 30 years   Maximum Amount: $417,000
RatesAPRPoints
3.625%3.879%0.56%
3.75%3.926%-0.375%
3.875%4.008%-0.904%

Government - VA 15-year Fixed

Pricing for this product ("Points", including those with a credit as explained above) include an interest rate lock period of 15 days. You may estimate one-quarter of a point, .250 as a decimal, for each additional 15-day period for an interest rate lock.

Term: 15 years   Maximum Amount: $417,000
RatesAPRPoints
3.375%3.82%0.504%
3.5%3.889%0.126%
3.625%4.025%0.188%

Government - VA 30-year Fixed

Pricing for this product ("Points", including those with a credit as explained above) include an interest rate lock period of 15 days. You may estimate one-quarter of a point, .250 as a decimal, for each additional 15-day period for an interest rate lock.

Term: 15 years   Maximum Amount: $417,000
RatesAPRPoints
3.75%4.066%-0.375%
3.875%4.388%0.904%
4%4.619%1.571%

Government - USDA 30-year Fixed

Pricing for this product ("Points", including those with a credit as explained above) include an interest rate lock period of 15 days. You may estimate one-quarter of a point, .250 as a decimal, for each additional 15-day period for an interest rate lock.

Term: 30 years   Maximum Amount: $417,000
RatesAPRPoints
3.625%3.905%0.873%
3.75%3.953%-0.062%
3.875%4.034%-0.591%


Especially in the case of refinance loans, sometimes it makes the most financial sense for our borrowers to obtain a loan for a shorter term than the standard 30 years. This is why we have many options available to our clients: 10 years, 15 years, 20 years, and 30 years. We help our borrowers understand the differences between the loans available and how those differences might impact their financial goals.


Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $424,100 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $8,340. Jumbo Loans (whose maximum loan amount exceed $424,100 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $10,000. Your actual APR may be different depending upon these factors.