Interest Rates Last Updated at 11:00 AM on 01/25/2011     Loan Program           Interest Rate            APR           Conv 30 Yr Fixed 4.875% 4.974% Conv 5/1 ARM 3.375% 3.472% Conv 15 Yr Fixed 4.250% 4.347% FHA/VA 30 Yr Fixed 4.750% 4.849% FHA 5/1 ARM 3.250% 3.347% USDA Rural Housing 4.750% 4.847% State Housing (Cat III) 4.375% 4.472% About Interest Rates Due to market fluctuations, interest rates are subject to change at any time and without notice until you "lock-in" your rate. Please contact one of our Mortgage Loan Professionals to apply for a home loan. Once you have been Pre-Approved you can "lock-in" your rate by providing the following: a ratified contract, complete loan application and the necessary paperwork for loan approval. Interest rates are also subject to credit and property approval based on secondary market guidelines, title and appraisal. Please call one of our Mortgage Professionals for Fast, Friendly, Free Pre-Approval, current Loan Programs and Current Interest Rates