Program Rate Points APR
Conf 15 Yr Fixed 6.500% 0.000 6.604%
Conf 30 Yr Fixed 6.999% 0.000 7.066%
Elite Conf 15 Yr Fixed 6.375% 0.000 6.478%
Elite Conf 30 Yr Fixed 6.999% 0.000 7.066%
Last update: 2026-09-04
Assumptions

Rates and fees are based upon Single Family House, Owner Occupied, Purchase & 30 day rate lock period.

Conforming: $400,000 / 70%LTV / 700 Credit Score

Conf High-Balance: $647,201 / 70% LTV / 720 Credit Score

Jumbo: $970,801 / 70% LTV / 720 Credit Score

All "Elite" Products / 70% LTV / 760 Credit Score / Minimum loan amount $200K

The rates displayed are subject to change without notice.

Details

Service Guarantee

American Realty Associates Inc. guarantees that the borrowers loans fund on time, or we will pay $1,000  towards the client's Closing Costs. Borrower must have their opening documentation submitted to Lender Direct, Inc. within 10 business days. Guarantee is for purchase transactions only. Refinances and seconds not included. Guarantee valid for the product selected at the time of loan submission.

This guarantee does not apply if any documentation, including, but not limited to, income, assets, appraisal, title, loan amount, and product, changes from the date of submission. This guarantee will not apply on transactions where the closing date is less than 30 days from date of submission. Lender Direct, Inc. is not accountable for delays caused by third parties.

“ American Realty Associates provided fast and reliable service. I will be recommending them to everyone! ”

~ Survey Responder

Today's Rates