7.750% Only Birdie Rates
(580 to 599 FICO Scores)
Rates effective as of 01/12/2023 12:25:00 PM EST
(For more details on this rate, scroll down to the bottom of this page)
- VA Purchase Loan fixed for 30 years(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) - $766,550 Purchase Price
- Zero Down VA Loan (Note: Rate covers the origination charge)
- $766,550 Initial Loan Amount
(Note: Funding Fee can either be added to loan amount or paid at closing) - $16,480.82 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) - $783,030.82 Loan Amount if Funding Fee added to loan amount
GNMA; FICO 580 to 599: 1.750 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 | 5.847 / $45,783.07 | $4,143.86 | $0.00 | $4,143.86 |
5.000 | 1.484 | 5.192 / $40,654.22 | $4,203.48 | $0.00 | $4,203.48 |
5.125 | 0.860 | 4.568 / $35,768.10 | $4,263.50 | $0.00 | $4,263.50 |
5.250 | 0.265 | 3.973 / $31,109.07 | $4,323.93 | $0.00 | $4,323.93 |
5.375 | 0.334 | 4.042 / $31,649.36 | $4,384.75 | $0.00 | $4,384.75 |
5.499 | -0.253 | 3.455 / $27,052.97 | $4,445.47 | $0.00 | $4,445.47 |
5.500 | -0.258 | 3.450 / $27,013.82 | $4,445.96 | $0.00 | $4,445.96 |
5.625 | -0.823 | 2.885 / $22,589.70 | $4,507.57 | $0.00 | $4,507.57 |
5.749 | -1.359 | 2.349 / $18,392.65 | $4,569.06 | $0.00 | $4,569.06 |
5.750 | -1.363 | 2.345 / $18,361.33 | $4,569.56 | $0.00 | $4,569.56 |
5.875 | -0.955 | 2.753 / $21,556.10 | $4,631.92 | $0.00 | $4,631.92 |
5.999 | -1.453 | 2.255 / $17,656.60 | $4,694.16 | $0.00 | $4,694.16 |
6.000 | -1.457 | 2.251 / $17,625.28 | $4,694.67 | $0.00 | $4,694.67 |
6.125 | -1.922 | 1.786 / $13,984.19 | $4,757.78 | $0.00 | $4,757.78 |
6.249 | -2.353 | 1.355 / $10,609.32 | $4,820.75 | $0.00 | $4,820.75 |
6.250 | -2.356 | 1.352 / $10,585.83 | $4,821.26 | $0.00 | $4,821.26 |
6.375 | -1.382 | 2.326 / $18,212.55 | $4,885.09 | $0.00 | $4,885.09 |
6.500 | -1.827 | 1.881 / $14,728.07 | $4,949.29 | $0.00 | $4,949.29 |
6.625 | -2.245 | 1.463 / $11,455.00 | $5,013.83 | $0.00 | $5,013.83 |
6.750 | -2.633 | 1.075 / $8,416.84 | $5,078.72 | $0.00 | $5,078.72 |
6.875 | -2.125 | 1.583 / $12,394.63 | $5,143.96 | $0.00 | $5,143.96 |
7.000 | -2.519 | 1.189 / $9,309.49 | $5,209.52 | $0.00 | $5,209.52 |
7.125 | -2.887 | 0.821 / $6,427.94 | $5,275.42 | $0.00 | $5,275.42 |
7.250 | -3.228 | 0.480 / $3,757.80 | $5,341.65 | $0.00 | $5,341.65 |
7.375 | -2.449 | 1.259 / $9,857.61 | $5,408.20 | $0.00 | $5,408.20 |
7.500 | -2.792 | 0.916 / $7,171.82 | $5,475.07 | $0.00 | $5,475.07 |
7.625 | -3.115 | 0.593 / $4,642.63 | $5,542.24 | $0.00 | $5,542.24 |
7.750 | -3.420 | 0.288 / $2,254.39 | $5,609.73 | $0.00 | $5,609.73 |
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