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Interest rates are for conforming loans between $130,000 and $275,000.  Rates vary based on loan amount. Interest rates are subject to change and the APR is based on a loan of $200,000 and a 75% LTV.  

30 Year Fixed:    
You pay: Interest rate: APR:
No costs/No points 6.75 6.75
Costs plus no points 6.5 6.61
Costs plus one point 6.25 6.34
Costs plus two points 6.125 6.23
     
15 Year Fixed:    
You pay: Interest rate: APR:
No costs/No points 6.375 6.375
Costs plus no points 6.125 6.24
Costs plus one point 5.875 5.99
Costs plus two points  5.625  5.71