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The rates are for 30 Year Fixed Mortgages with conforming loan amount between $250,000 and $417,000. The rates for Citi Mortgage, Bank of America, and Wells Fargo have been taken from their public approval. Rates and Fees are subject to websites on Dec, 26th 2012 at 9:00 pm PST. Loan City Mortgage rate is for maximum 75% LTV (Loan to Value Ratio), 740+ Credit Score, Single Family (Or PUD), Owner Occupied properties for purchase or Rate/Term Refinance loans with impounds. APR Calculation is for Refinance loans and assumes no subordinate financing. Loan subject to underwriter change without notice. Please contact us to get the most updated and accurate rate quote for your credit situation.