James B. Nutter & Company strives to provide you the lowest interest rates and
just as important the lowest closing costs. The rapid movements of financial markets influence the course of interest rates. In order to provide you the most accurate, up to the minute quotes please contact one of our loan officers. The interest rates, points and APR are provided for illustration purposes only.
For Conventional mortgages contact the Polaris Division at 1-800-217-7334.
For FHA streamline mortgages contact our Vanguard Division at 1-800- 875-7334 or 1-800-FHA-REFI (1-800-342-7334).
For VA Refinance mortgages contact our VA Division at 1-800-575-7334.
If calling from the Kansas City area, please call 816-531-2345.
Conventional Rates (Loans to $417,000)
Based on Loan amounts of $150,000 or more.
30 Year Fixed Conforming
Rate*
4.25
3.875
3.625
Save up to $3500 with our low closing costs.
Points
No Closing Cost**
0
1.5
Never any junk fees on any loan with James B. Nutter & Company
APR***
4.258
3.878
4.221
Don't fall for the "Lowest Rate In Town" hype.
15 Year Fixed Conforming
Rate*
3.75
3.375
3.125
Compare our closing costs and rates and save.
Points
No Closing Cost**
0
1.5
15 Year Builds equity fast!
APR***
3.753
3.378
3.495
Cut years off and keep your payment the same.
1 yr LIBOR Adjustable Rate Mtg
Rate*
2.875
2.625
Caps 2/2/6
Points
0
0.5
Margin 2.25 / 1 year LIBOR index
APR***
3.693
3.714
Great initial rate for quick savings
3/1 LIBOR ADJUSTABLE RATE MTG
Rate*
3.125
3.375
Caps 2/2/5
Points
0
0.5
Margin 2.25 / 1 year LIBOR Index
APR***
3.623
3.608
Perfect for the mobile individual who is moving on soon
5/1 LIBOR Adjustable Rate Mtg
Rate*
3.5
3.375
Caps 2/2/5
Points
0
0.5
Margin 2.25 / 1 year LIBOR Index
APR***
3.674
3.671
5 Years of stability and savings well under fixed rates
7/1 LIBOR Adjustable Rate Mtg
Rate*
3.75
3.625
Caps 5/2/5
Points
0
0.5
Margin 2.25/1 year LIBOR Index
APR***
6.228
6.155
Just a little savings over fixed rates when you think you might move
FHA 30 Year Fixed Rates
(Loans to $271,050 – 1 unit)
Rate*
4.0
3.875
Pioneer in FHA streamline refinancing
Points
No Closing Cost**
0
Lowest Closing Costs
APR***
4.606
4.485
Call for current FHA programs and rates. Many changes.
FHA 15 Year Fixed Rates
Rate*
3.50
0
0
Pioneer in FHA streamline refinancing
Points
No Closing Cost**
0
0
Lowest Closing Costs
APR***
3.98
0
0
Call for current FHA programs and rates. Many changes.
FHA 5 Year Adjustable Rate Refi
Rate*
3.75
0
0
Pioneer in FHA streamline refinancing
Points
No Closing Cost**
0
0
Lowest Closing Cost
APR***
3.565
0
0
Call for current FHA programs and rates. Many changes.
FHA 3 Year Adjustable Rate Refi
Rate*
3.5
0
0
Pioneer in FHA streamline refinancing
Points
No Closing Cost**
0
0
Lowest Closing Costs
APR***
3.262
0
0
Call for current FHA programs and rates. Many changes.
VA IRRRL Refinance Rates 30 Year (VA Streamline Refinancing)
(IRRRL – Interest Rate Reduction Refinancing Loan)
Rate*
4.0
3.875
VA No Closing Cost Refinance
Points
No Closing Cost**
0
VA Lending for Over 60 Years
APR***
4.606
4.485
Call for current VA Streamline (IRRRL) programs and rates.
Please note the following:
*The interest rates, points and APR information are provided as of the date set forth above. Since interest rates and loan terms can change several times each day, please call our loan officers to obtain current rate and terms information.
**No Closing Cost interest rates may vary depending on state (Not available in Florida). Investor fees, registration/mortgage taxes not included.
***The Annual Percentage Rate (APR) information provided above is calculated based on a $150,000.00 loan and a purchase price (or property value) of $187,500.00. The actual APR on a loan to you will likely vary from the figures presented above. APR figures differ from interest rates because closing costs are included in the APR calculation. Please call our loan offices to obtain APR information for your particular loan situation.
The interest rates, points, and APR information provided above are for illustration purposes only. The actual interest rate, points and APR applicable to a loan for you will depend upon numerous factors considered at the time the loan is made, including current interest rates, the subject property, its value, and your personal financial situation. Such issues are considered as part of the application and underwriting process for any loan. You should not assume that a loan will be made to you on the terms reflected above. The specific terms of any loan to you will be provided after consideration of the lending criteria by us. Please contact our loan officers to discuss a loan and to obtain interest rate, points and APR information for your particular situation.
