Indicative Rates

The below Indicative Rates are subject to fluctuation of the 10 Year Treasury and the Secured Overnight Financing Rate (SOFR). The provision of these rates is informational only. Actual rates are not fixed until the GNMA is sold or, in the case of a construction loan, the loan is closed.
 

Data updated on May 15, 2024, 4:34 p.m.
LENDER: RCC
TERMS (Mdds): Up to 35 yrs.
INDEX: 10 yr. Tsy
BASE RATE: 4.37
NOE (%)**: 5.81
LTC: 85-90%
LTV: 85-90%
MIN. DSCR: 1.11 - 1.17
LENDER: RCC
TERMS (Mdds): Up to 40 yrs.
INDEX: 10 yr. Tsy
BASE RATE: 4.37
NOE (%)**: 6.29
LTC: 85-90%
LTV: 85-90%
MIN. DSCR: 1.11 - 1.17
LENDER: RCC
TERMS (Mdds): Up to 25-40 yrs.
INDEX: 10 yr. Tsy
BASE RATE: 4.37
NOE (%)**: 6.57
LTC: 70%
LTV: N/A
MIN. DSCR: 1.15
LENDER: RCC
TERMS (Mdds): 12 - 60 mths
INDEX: 5 yr. Tsy
BASE RATE: varies
NOE (%)**: 7.22
LTC: N/A
LTV: 90-95%
MIN. DSCR: 1.10
LENDER: RCC
TERMS (Mdds): Up to 24 mths
INDEX: SOFR
BASE RATE: 7.50
NOE (%)**: 7.50
LTC: 80%
LTV: 80%
MIN. DSCR: 1.10
PRODUCT TYPE LENDER TERM INDEX BASE RATE NOTE (%)** LTC LTV MIN. DSCR
FHA 223(f) RCC Up to 35 yrs. 10 yr. Tsy 4.37 5.81 85-90% 85-90% 1.11 - 1.17
FHA 221(d)(4) RCC Up to 40 yrs. 10 yr. Tsy 4.37 6.29 85-90% 85-90% 1.11 - 1.17
USDA 538 RCC Up to 25-40 yrs. 10 yr. Tsy 4.37 6.57 70% N/A 1.15
Affordable Bridge Loan RCC 12 - 60 mths 5 yr. Tsy varies 7.22 N/A 90-95% 1.10
Bridge/Const RCC Up to 24 mths SOFR 5.32 7.50 80% 80% 1.10

*Base rate as of 05.15.2024.The actual note rate is not locked until receipt of FHA firm commitment to ensure or issuance of USDA conditional commitment. Affordable bridge loan rate is tied to duration and corresponding treasury.

**Note rate includes servicing fees that are determined by the size of the loan. The actual note rate varies depending upon the size of the loan, asset class and LURAs that may govern the property. For more information please contact your RCC loan originator.

For information and discussion purposes only. This communication is for your internal use and may contain information proprietary to Rose Community Capital which may not be reproduced, redistributed, or copied in whole or in part without Rose Community Capital's prior consent.