10/12/2009 The rates listed below represent the lowest rates currently available. The actual rates available to you will vary based on a number of factors. Please note that these rates are only available to qualified applicants and assume excellent credit. Rates and terms are subject to change or cancellation. Please call for further details or Apply online.   Program Rate APR Points Monthly Payment Per $100,000 Conforming 30 year Fixed 4.875% 4.936%1 0.000% $529.21 Conforming 15 year Fixed 4.500% 4.599%2 0.000% $765.00 Super Conforming 30 year Fixed 5.500% 5.568%3 0.000% $567.79 5/1 ARM Jumbo 4.500% 3.910%4 0.000% $506.69   1The Annual Percentage Rate (APR) is based on a loan amount of $350,000.00 with $995.00 of lender fees and 30 days of prepaid interest. This calculation assumes a minimum down payment of 20% with an occupancy type of Primary for a SFR Purchase with Full Doc income documentation in the state of CA with a lock period of 15 days and no prepayment penalty. Maximum loan amount is $417,000.00 for a single family dwelling. 2The Annual Percentage Rate (APR) is based on a loan amount of $350,000.00 with $995.00 of lender fees and 30 days of prepaid interest. This calculation assumes a minimum down payment of 20% with an occupancy type of Primary for a SFR Purchase with Full Doc income documentation in the state of CA with a lock period of 15 days and no prepayment penalty. Maximum loan amount is $417,000.00 for a single family dwelling. 3The Annual Percentage Rate (APR) is based on a loan amount of $500,000.00 with $995.00 of lender fees and 30 days of prepaid interest. This calculation assumes a minimum down payment of 20% with an occupancy type of Primary for a SFR Purchase with Full Doc income documentation in the state of CA with a lock period of 15 days and no prepayment penalty. Maximum loan amount is $729,000.00 for a SFR. The maximum loan amount may vary by county and state. 4The Annual Percentage Rate (APR) is based on a loan amount of $2,500,000.00 with $995.00 of lender fees and 30 days of prepaid interest. This calculation assumes a minimum down payment of 50% with an occupancy type of Primary for a SFR Purchase with Full Doc income documentation in the state of CA with a lock period of 15 days and no prepayment penalty. Maximum loan amount is $3,000,000.00 for a SFR. The maximum loan amount may vary by county and state. RockRidge Lending Group does not guarantee the availability of any particular interest rate, and any interest rate information provided to you is solely for your information and may be changed by RockRidge Lending Group at any time.