Home At Last™ Daily Rates
Loan Rates Shown are Effective 01/19/2021 – Click to View the Rate Sheet
FHA, VA, USDA LOANS – RATES & ASSISTANCE OPTIONS
Assistance Options
|
Loan Rates |
Loan Types
|
Purchase & Refinance
|
| 0% | 2.250% | FHA, VA, USDA |
FHA, VA & USDA:
FHA Purchases Only:
Manufactured Homes:
|
| 2% | 2.750% | FHA, VA, USDA | |
| 3% | 3.000% | FHA, VA, USDA | |
| 4% | 3.250% | FHA, VA, USDA | |
| 5% | 4.500% | FHA, VA, USDA |
CONVENTIONAL LOANS – RATES & ASSISTANCE OPTIONS
Assistance Options |
Freddie Mac Rates
|
Fannie Mae Rates
|
Fannie Mae Rates
|
Purchase & Refinance
|
| 0% | 2.750% | 2.750% | 3.375% |
Conventional:
Manufactured Homes:
|
| 1% | 3.000% | 3.000% | 3.500% | |
| 2% | 3.125% | 3.125% | 3.625% | |
| 3% | 3.375% | 3.375% | 4.500% | |
| 4% | 4.875% | 4.875% | 5.125% | |
| 5% | 5.250% | 5.250% | N/A |
INCOME LIMITS
- FHA & VA: $116,000
- USDA: Per USDA guidelines View USDA Income Limits by County
- Conventional – Borrower income at or below 80% of AMI: View AMI Lookup Tool by County
- Conventional – $135,000 for borrower(s) with income over 80% of AMI
- AMI is the Area Median Income established by Fannie Mae and Freddie Mac
PURCHASE PRICE LIMITS
- FHA: View FHA Purchase Price Limits by County
- VA, USDA & Conventional: No purchase price limits
LOAN LIMITS
- FHA: View FHA Loan Limits by County
- Conventional (Conforming Loan Limit): $548,250
PLEASE NOTE:
- Assistance is a percentage of the loan amount and the rate on the 30-year mortgage depends on the amount of assistance.
- Options with assistance will have a 3-year forgivable second mortgage with no interest and no payments.
- FHA loans with FICO below 660 require borrower(s) have 1+ month of reserves and 6+ months employment history on current job(s).
- FHA streamline refinances are not permitted.
- FHA loans and manufactured home loans may not be manually underwritten.
HAL Lender Seller Guides, Updates, Bulletins & Notices
View the MCC Income and Purchase Price Limits
