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Our no closing cost rates: 

 

 30 Yr Fixed Conforming 4.375
 15 Yr Fixed Conforming 3.875
 10 Yr Fixed Conforming 3.625
 30 Yr Fixed Jumbo N/A
 15 Yr Fixed Jumbo N/A

Rate as of 1/26/2012 and subject to change without notice.  Assumes loan amount of at least $190,000 for conventional and above $417,000 for Jumbo (in specific counties) with 20% down payment.  (Borrower responsible only for title insurance and recording fees)