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| Ventura County Home Refinance Rates
These are the latest Ventura Co, California home refinance rates, effective March 18, 2005.
California Housing Finance Agency
INTEREST RATE SCHEDULE1
Effective March 18, 2005 | Interest Rate2 | 35 Year Fixed Mortgage Loan Program | | interest only PLUS | 5.25% | | | 30 Year Fixed Mortgage Loan Programs | | Non High Cost Areas | | Moderate Income | 5.00% | Low Income3 | 4.75% | Lancaster/Palmdale (Low Income Only)4 | 4.50% | Nonprofits5 & Affordable Housing Partnership Program (AHPP) | 4.50% | Extra Credit Teacher Program (ECTP) | 4.50% | HomeChoice Program | 3.00% | Self-Help Builder Assistance Program (SHBAP)5 | 3.00% | | | High Cost Areas6 | | Moderate Income | 4.75% | Low Income3 | 4.50% | LA and Orange Counties, including the City of LA (Low Income Only)4 | 4.25% | Nonprofits5 & Affordable Housing Partnership Program (AHPP) | 4.25% | Extra Credit Teacher Program (ECTP) | 4.25% | HomeChoice Program | 3.00% | Self-Help Builder Assistance Program (SHBAP)5 | 3.00% | | | DOWN PAYMENT ASSISTANCE PROGRAMS | | Term matches term of first mortgage | | High Cost Area Home Purchase Assistance Program (HiCAP)7 | 7.00% | CalHFA Housing Assistance Program (CHAP) | 7.00% | California Homebuyer's Downpayment Assistance Program (CHDAP) | 3.00% | Homeownership In Revitalization Areas Program (HIRAP) | 3.00% | Extra Credit Teacher Program (ECTP) | 5.00% | HomeChoice CHAP | 7.00% |
1 See below examples for Truth in Lending Disclosures. 2The interest rates are those in effect on the date shown. However, they are subject to change without notice. The down payment assistance loan interest rates are calculated as simple interest per annum. 3Lenders who obtain a reduced interest rate reservation for low income applicants who are subsequently determined to have an annual income that exceeds the low income limit will be offered the interest rate for moderate income families, assuming they meet CalHFA’s moderate income limits. 4SCHFA/CalHFA Partnership Program in Los Angeles and Orange Counties including the City of LA for Low Income Borrowers 5Rates quoted for Nonprofit and/or SHBAP developers are offered only through the BLOCK Program. Nonprofit and/or SHBAP developers may use 180-day locks; however, the interest rate will be set at the rate available at time of lock. 6For a listing of High Cost Areas, please refer to High Cost Areas page. 7Eligible counties for the HiCAP program are Alameda, Contra Costa, San Diego, San Francisco, San Mateo, Santa Clara, Sonoma, and Ventura counties. Re-reservation (Relock) Fee Policy : CalHFA will allow re-reservation (relock) on 90- or 180-day locks. However, canceling a previously issued reservation locked at a higher rate and then relocked at a lower current established rate will result in a 1% re-reservation fee. Late Delivery Fee : 1% penalty will be collected against loans delivered within the 30-day grace period for the 90-day lock for resale, 180-day lock on new construction, or the BLOCK Program. Nonprofit and/or SHBAP developers using the BLOCK Program are assessed only 0.50% late delivery fee. BUILDER/DEVELOPER
NEW CONSTRUCTION FORWARD COMMITMENT
TERMS AND FEES | Developer
Type | 180-Day
Lock | 6-Month
Lock | 9-Month
Lock | 12-Month
Lock | 18-Month
Lock | | SL1 | BLOCK2 | BLOCK2 | BLOCK2 | BLOCK2 | For-Profit | No Fee | 0.50% (at Discount) | 1.50% (0.75% Cash Up; 0.75% at Discount) | 2.00% (1.00% Cash Up; 1.00% at Discount) | Not
Offered | Nonprofit3 | No Fee | Not Offered | Not Offered | 1.00% (0.50% Cash Up; .050% at Discount) | 1.50% (0.75% Cash Up; 0.75% at Discount) | Mutual
Self-Help
Nonprofit4 | Not
Offered | Not
Offered | Not
Offered | 1.00% (0.25% Cash Up; .075% at Discount) | 1.50% (0.25% Cash Up; 0.75% at Discount) |
1Single Loan (SL) reservation for an individual borrower household for a new home at a specific address 2Builder-Lock (BLOCK) – Forward Commitments (FC) for a pool of funds available through a CalHFA Approved Lender to a developer to market homes to first-time buyers in new subdivisions. 3Nonprofit 501(c)(3) developer for low-income first-time buyers. 4Mutual Self-Help 501(c)(3) developer utilizing the mutual self-help method of construction for low-income first-time buyers. TRUTH IN LENDING DISCLOSURES Sample Truth in Lending Disclosures for First Mortgage Loans Loan Type | IOP | 30-Yr Fixed | AHPP | ECTP | SHBAP | | | | | | | Loan Amt | $ 300,000 | $ 300,000 | $ 250,000 | $ 250,000 | $ 250,000 | Term | 35yr (420 mos) | 30 yr (360 mos) | 30 yr (360 mos) | 30 yr (360 mos) | 30 yr (360 mos) | Interest Rate* | 5.25% | 5.00% | 4.50% | 4.50% | 3.00% | APR* | 6.659% | 6.078% | 5.495% | 5.495% | 3.119% | Estimated Monthly Pmt** | $ 1,925.00*** | $ 2,222.96 | $ 1,777.13 | $ 1,777.13 | $ 1,241.65 | *Interest rate is for comparison only. Sample APRs include typical finance charges, such as lender fees and mortgage insurance. This sample is for illustrative purposes only. It does not reflect any specific loan's terms. **The estimated payment amount includes estimated taxes, property and/or mortgage insurance. Lenders usually require these amounts to be included in the monthly payment. ***$2,269.11 is the estimated monthly payment for years 6 through 35. It includes principal and interest, and estimates for taxes and insurance, using current year information. |
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