Welcome to the Ruoff Mortgage rates page. Complete an online application today!

Current posted rates are in effect as of 01/06/2009 10:05:06 AM Central Time.
Rates are subject to change without notice.

Conventional 30 Year Fixed
RatePointsAPRLock Days
5.250%0.000%5.317%30
4.875%1.000%5.029%30
The APR is calculated using a loan amount of $150,000 and these typical fees.


Conventional 20 Year Fixed
RatePointsAPRLock Days
5.250%0.000%5.340%30
4.875%1.000%5.085%30
The APR is calculated using a loan amount of $150,000 and these typical fees.


Conventional 15 Year Fixed
RatePointsAPRLock Days
5.000%0.000%5.114%30
4.625%1.000%4.891%30
The APR is calculated using a loan amount of $150,000 and these typical fees.


FHA 30 Year Fixed
RatePointsAPRLock Days
5.500%0.000%5.571%30
5.125%1.000%5.285%30
The APR is calculated using a loan amount of $150,000 and these typical fees.


FHA 15 Year Fixed
RatePointsAPRLock Days
5.375%0.000%5.495%30
5.125%1.000%5.400%30
The APR is calculated using a loan amount of $150,000 and these typical fees.


VA 30 Year Fixed
RatePointsAPRLock Days
5.500%0.000%5.571%30
5.125%1.000%5.285%30
The APR is calculated using a loan amount of $150,000 and these typical fees.


Construction Loan (1 Time Close)
RatePointsAPRLock Days
7.250%0.000%7.357%30
7.000%1.000%7.207%30
The APR is calculated using a loan amount of $150,000 and these typical fees.


Construction Loan (2 Time Close)
RatePointsAPRLock Days
6.625%0.000%6.728%30
The APR is calculated using a loan amount of $150,000 and these typical fees.

 

Financial Calculators
Helpful mortgage and finance calculators that you are free to use.

Discount Point Calculator
Ask about Discount Points that can lower interest rate.

RateLockPeriods
Simple page that explains how Rate Lock Periods work.

Daily Rate Lock Advisory
Industry insider analysis of the information that we look at when we try to decide whether to suggest to our customers to lock their rate in or not.

Pre-Approval
Answer a few simple questions to get  pre-approved.

*Rates may be higher for borowers with negative credit factors*

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