We should be taught not to wait for inspiration to start a thing. Action always generates inspiration. Inspiration seldom generates action.
– Frank Tibolt
Rates As Of January 2, 2012
30 Year Fixed
3.875%
4.061% APR
15 Year Fixed
3.25%
3.515% APR
0 Down - 30 yr fixed
3.75%
4.213% APR
*Rates, terms and conditions are subject to change without notice. Rates are as of January 2, 2012. APR is based on a $ 200,000 purchase or refinance of your primary residence assuming 80%l-t-v on a 28 day lock using .50% origination special and .50 rate buy down. 0 Down based on Rural Housing program,100% l-t-v, purchase only. All terms are subject to borrower and property qualification, OAC. ML-5044
* 1/2 point off origination fee applies to Ambient Home Lending and is good for the State of Oregon only. ** Refers to initial limited credit report. NMLS # 372145, ML-5044