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Fixed Rate Conventional

Adjustable Rate (ARM's) Conventional

FHA Mortgages

VA Mortgages

Term Options

15 Year Fixed Rate
30 Year Fixed Rate

3/ 1 ARM
5/1 ARM
7/1 ARM
10/1 ARM

15 Year Fixed Rate FHA
30 Year Fixed Rate FHA
3/1 ARM

15 Year Fixed Rate VA
30 Year Fixed Rate VA
3/1 ARM

Minimum / Maximum Loan Amounts - based on single family units

Conforming < $417,000
Jumbo >$417,000

Conforming < $417,000
Jumbo >$417,000

Based on County Eligibility Up to $729,750

Based on loan purpose, Borrower Eligibility and County Eligibility

Amount you can borrow - based on single family units

Up to 95% LTV1

Up to 90% LTV1

Up to 96.5% LTV1

Up to 100%

Bank of the West Benefits

  • Quick and simple online application
  • Relationship Pricing* for qualified customers
  • Competitive interest rates and long term rate locks
  • Increased bargaining and negotiating with a Pre-Approval
  • Our Rate Watch feature will help you keep an eye on interest rates
  • Mortgage Calculators to assist in planning and budgeting your home financing needs
  • Convenient Payments at any of our nearly 600 branches
All loans are subject to credit approval

*Relationship Pricing requires applicants to maintain a Bank of the West personal checking account with a debit card and automatic electronic mortgage payments.

1 A ratio used by lenders to calculate the loan amount requested as a percentage of the value of a home. To determine the loan-to-value ratio, divide the loan amount by the home’s current appraised value. The LTV ratio is used to determine what loan types the borrower qualifies for as well as the cost and fees associated with obtaining the loan.