| Program | Rate | Points | APR |
| Conforming 5/1 ARM "California Gold" | 2.875% | 1.5 | 3.029% |
| Conforming 7/1 ARM "California Gold" | 3.125% | 1.5 | 3.128% |
| Conforming 10 Year Fixed "Ruby" | 2.75% | 1.875 | 3.252% |
| Conforming 15 Year Fixed "Ruby" | 2.875% | 1.375 | 3.147% |
| Conforming 30 Year Fixed "Ruby" | 3.5% | 1.5 | 3.666% |
| Non-Conforming 5/1 ARM "California Gold" | 2.875% | 1.5 | 3.016% |
| Non-Conforming 7/1 ARM "California Gold" | 3.125% | 1.5 | 3.269% |
| Non-Conforming 10/1 ARM "California Gold" | 3.875% | 1.5 | 4.028% |
| Jumbo Conforming 15 Year Fixed “Ruby” | 2.875% | 2 | 3.208% |
| Jumbo Conforming 30 Year Fixed “Ruby” | 3.75% | 1.75 | 3.922% |