7.750% Only Birdie Rates
(600 to 619 FICO Scores)
Rates effective as of 01/12/2023 12:25:00 AM EST
(For more details on this rate, scroll down to the bottom of this page)
- VA Purchase Jumbo Loan fixed for 30 years (Loans from $766,551 up to $4,000,000)
(1st use of Benefit - See VA certificate of eligibility) - Owner Occupied Primary Residence
(Note: VA Loans are only for Primary Residences - Not 2nd Homes or Investment Homes) - Single Family Residence
(2 Unit "Duplexes", 3-Unit "Triplexes" & 4-Unit "Multiplexes" have higher loan limits) - $1,500,000 Purchase Price
(Note: Apex Mortgage Brokers can finance up to $4,000,000 purchase at 100% purchase price) - Zero Down VA Loan
(Note: Rate covers the origination charge) - $1,500,000 Initial Loan Amount
(Note: Funding Fee can either be added to loan amount or paid at closing) - $32,250.00 Funding Fee
(Note: Veterans with a 10% or greater disability pay no funding fee) - Texas & Florida Property Tax Rules for Veterans
(Note: Veterans with a 100% disability may not be required to pay ad valorem taxes on properties they own and and use as their homesteads - Veterans confined to a wheelchair have similar rules) - $1,532,250.00 Loan Amount if Funding Fee added to loan amount
GNMA; FICO 600 to 619: 1.500 FICO Score Low Level Price Adjustment to Rate
NOTE: Green Numbers indicate a Rate Buy Down
(Rate is below PAR = Mortgage Birdie = Paying for a Lower Rate & Payment)
Red Numbers indicate a Lender Credit to help cover closing costs
(Rate is above PAR = Mortgage Bogey = Extra Money for Closing Costs)
NOTE: A "Mulligan Rate" is when you get a Lender Credit lower than PAR
4.875 | 2.139 | 5.597 / $43,825.49 | $4,143.86 | $0.00 | $4,143.86 |
5.000 | 1.484 | 4.942 / $38,696.64 | $4,203.48 | $0.00 | $4,203.48 |
5.125 | 0.860 | 4.318 / $33,810.53 | $4,263.50 | $0.00 | $4,263.50 |
5.250 | 0.265 | 3.723 / $29,151.49 | $4,323.93 | $0.00 | $4,323.93 |
5.375 | 0.334 | 3.792 / $29,691.79 | $4,384.75 | $0.00 | $4,384.75 |
5.499 | -0.253 | 3.205 / $25,095.39 | $4,445.47 | $0.00 | $4,445.47 |
5.500 | -0.258 | 3.200 / $25,056.24 | $4,445.96 | $0.00 | $4,445.96 |
5.625 | -0.823 | 2.635 / $20,632.12 | $4,507.57 | $0.00 | $4,507.57 |
5.749 | -1.359 | 2.099 / $16,435.07 | $4,569.06 | $0.00 | $4,569.06 |
5.750 | -1.363 | 2.095 / $16,403.75 | $4,569.56 | $0.00 | $4,569.56 |
5.875 | -0.955 | 2.503 / $19,598.52 | $4,631.92 | $0.00 | $4,631.92 |
5.999 | -1.453 | 2.005 / $15,699.02 | $4,694.16 | $0.00 | $4,694.16 |
6.000 | -1.457 | 2.001 / $15,667.70 | $4,694.67 | $0.00 | $4,694.67 |
6.125 | -1.922 | 1.536 / $12,026.61 | $4,757.78 | $0.00 | $4,757.78 |
6.249 | -2.353 | 1.105 / $8,651.75 | $4,820.75 | $0.00 | $4,820.75 |
6.250 | -2.356 | 1.102 / $8,628.26 | $4,821.26 | $0.00 | $4,821.26 |
6.375 | -1.382 | 2.076 / $16,254.98 | $4,885.09 | $0.00 | $4,885.09 |
6.500 | -1.827 | 1.631 / $12,770.49 | $4,949.29 | $0.00 | $4,949.29 |
6.625 | -2.245 | 1.213 / $9,497.42 | $5,013.83 | $0.00 | $5,013.83 |
6.750 | -2.633 | 0.825 / $6,459.26 | $5,078.72 | $0.00 | $5,078.72 |
6.875 | -2.125 | 1.333 / $10,437.06 | $5,143.96 | $0.00 | $5,143.96 |
7.000 | -2.519 | 0.939 / $7,351.92 | $5,209.52 | $0.00 | $5,209.52 |
7.125 | -2.887 | 0.571 / $4,470.36 | $5,275.42 | $0.00 | $5,275.42 |
7.250 | -3.228 | 0.230 / $1,800.23 | $5,341.65 | $0.00 | $5,341.65 |
7.375 | -2.449 | 1.009 / $7,900.04 | $5,408.20 | $0.00 | $5,408.20 |
7.500 | -2.792 | 0.666 / $5,214.24 | $5,475.07 | $0.00 | $5,475.07 |
7.625 | -3.115 | 0.343 / $2,685.05 | $5,542.24 | $0.00 | $5,542.24 |
7.750 | -3.420 | 0.038 / $296.81 | $5,609.73 | $0.00 | $5,609.73 |
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