| Program | Rate | Points | APR |
| Conforming 5/1 ARM "California Gold" | 3% | 1.5 | 3.058% |
| Conforming 7/1 ARM "California Gold" | 3.375% | 1.5 | 3.221% |
| Conforming 10 Year Fixed "Ruby" | 2.75% | 1.5 | 3.172% |
| Conforming 15 Year Fixed "Ruby" | 2.875% | 0.875 | 3.074% |
| Conforming 30 Year Fixed "Ruby" | 3.5% | 1.375 | 3.655% |
| Non-Conforming 5/1 ARM "California Gold" | 3% | 1.5 | 3.142% |
| Non-Conforming 7/1 ARM "California Gold" | 3.375% | 1.5 | 3.522% |
| Non-Conforming 10/1 ARM "California Gold" | 4.125% | 1.5 | 4.281% |
| Jumbo Conforming 15 Year Fixed “Ruby” | 3.25% | 0.375 | 3.349% |
| Jumbo Conforming 30 Year Fixed “Ruby” | 3.875% | 0.875 | 3.975% |