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Rates are subject to change without notice and may vary from lender to lender. Rate/APR and terms may vary based on the creditworthiness of the individual and the extent to which the loan differs from the one used for Ryder quotes. After a thorough examination of your credit history, personal or business income, debt-to-income ratio, property type, downpayment and other factors we can determine what program you may qualify for and the interest rates available for your loan.

Criteria used in survey for 30 yr fixed mtg. Each quote and pertinent information are based on a 30-year fixed rate mortgage to purchase an owner-occupied, one-unit, single family dwelling for a loan of $165,000 to $417,000 ($165,000 to $625,500 in Alaska and Hawaii) that is to be made to a consumer with average income, a credit guide score of 650-719 and no other relationship to the institution offering the loan. The loan rate is based on a 20% down payment, a 30-60 day lock (that begins no later than the approval of the loan) and 0 to 2 cumulative discount and origination points (origination points also include a broker's fee that is charged as a percent of the loan amount). Annual Percentage Rates (APR) include all prepaid finance charges that can be amortized over the life of the loan under the Truth-in-Lending Act. All quotes are for conforming products or loans that can be sold on the secondary market with no prepayment penalties nor negative amortization. Rates are good as of the survey date, but may change without notice. The rate, terms, pre-paid finance charges and APR may vary based on a number of factors including, but not limited to, the creditworthiness of the applicant(s), self employment status of the applicant(s), condo or townhouse structure, loan amount and geographic location of the property.

Criteria used in survey for 5/1 ARM. Each quote and pertinent information are based on a 5/1 adjustable rate mortgage (ARM) to purchase an owner-occupied, one-unit, single family dwelling for a loan of $165,000 to $417,000 ($165,000 to $625,500 in Alaska and Hawaii) that is to be made to a consumer with average income, a credit guide score of 650-719 and no other relationship to the institution offering the loan. The loan rate is based on a 20% down payment, a 30-60 day lock (that begins no later than the approval of the loan) and 0 to 2 cumulative discount and origination points (origination points also include a broker's fee that is charged as a percent of the loan amount). Annual Percentage Rates (APR) include all prepaid finance charges that can be amortized over the life of the loan under the Truth-in-Lending Act. All quotes are based on a margin of 2.50% to 3.00% on the 1-year Treasury Constant Maturity or a margin of 2.00% to 3.00% on the 1-year LIBOR index. The interest rate on an ARM can adjust at specific time periods based on the CAPS provided in the contract. All quotes are for conforming products or loans that can be sold on the secondary market with no prepayment penalties nor negative amortization. Rates are good as of the survey date, but may change without notice. The rate, terms, pre-paid finance charges and APR may vary based on a number of factors including, but not limited to, the creditworthiness of the applicant(s), self employment status of the applicant(s), condo or townhouse structure, loan amount and geographic location of the property.

These quotes are from banks, thrifts and lenders, none of whom have paid for inclusion to our web site.