Mortgage Rates

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Mortgage Rates

Product Description Interest Rate Annual Percentage Rate Points Monthly Payments Monthly Payments per $1,000
30 Year Fixed 3.125% 3.189% 0 360 $4.28
30 Year Fixed 2.875% 3.097% 2 360 $4.15
15 Year Fixed 2.750% 2.864% 0 180 $6.79
15 Year Fixed 2.500% 2.903% 2 180 $6.67

Annual Percentage Rates (APRs) listed above are based on a purchase money transaction of an owner occupied single family primary residence and a maximum LTV of 60%. The interest rate and APR available may vary based on credit score, LTV, property type and appraisal review. The interest rates, annual percentage rates (APRs), points and rebates shown are subject to change without notice. The monthly payment amount shown includes principal and interest. Taxes and insurance are not included in the monthly payment amount. Homeowner’s insurance and flood insurance (if applicable) are required. Private Mortgage Insurance (PMI) required if down payment is less than 20%. Your actual monthly payment amount may be higher. An escrow account may be required. Your APR will vary based on your final loan amount and finance charge. Maximum loan subject to FNMA/FHLMC limits.

 

Home Equity Loans

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Home Equity Loans

Product Description Interest Rate Annual Percentage Rate Points Monthly Payments Monthly payment per $1,000
15 Year HE Loan* 4.500% 4.500% 0 180 $7.65
10 Year HE Loan* 4.000% 4.000% 0 120 $10.12
5 Year HE Loan* 3.500% 3.500% 0 60 $18.19
HELOC** 4.000% 4.000% 0 300
HELOC with Intro** Intro Rate: 1.99%
Current Rate: 4.000%
1.99% 0 300

*Payments do not include Real Estate Taxes & Insurance.  The actual payment may be greater.  Minimum loan is $5,000.  Maximum loan is $250,000.

**HELOC-The Annual Percentage Rate (APR) is equal to the Prime Rate as published in the Wall Street Journal with a floor of 4.00%. HELOC with Intro APR of 1.99% is fixed for 12 months.  Thereafter, the APR becomes a monthly variable rate equal to Prime Rate as published in the Wall Street Journal with a floor of 4.00%.  Maximum line is $250,000. For all HELOC products, the APR will never exceed 18%.  119 months draw/ 181 months repayment. Minimum line is $10,000.  This offer is subject to change without notice and is available for new lines.

All HE Loan and HELOC applications will be subject to credit acceptance and property approval.  Closing costs may range from $240.00 to $775.00 and are lender paid.  Conditions may apply.  However, if you should pay off and terminate the line prior to the third anniversary of the agreement date, you will reimburse the lender for the closing costs that were paid by the bank on your behalf.  If you request an independent appraisal, you will be responsible for the cost which is estimated between $350.00 and $550.00. Offers are available for owner-occupied 1-4 family properties only. HELOC with Intro APR of 1.99% available for primary residence 1-4 family properties only.  Homeowner’s insurance and flood insurance (if applicable) required.  Consult your tax advisor regarding interest deductibility.

 

Adjustable Rate Mortgages (ARM)

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Adjustable Rate Mortgages (ARM)

Product Description Interest Rate FULLY INDEXED INTEREST RATE as of October 13, 2020 ANNUAL PERCENTAGE RATE POINTS MONTHLY PAYMENTS Monthly Payments per $1,000 Monthly Payments per $1,000 After First Adjustment
3/3 ARM 3.000% 3.000% 3.066% 0 360 $4.22 $4.22
5/5 ARM 3.250% 3.125% 3.235% 0 360 $4.35 $4.28
10/1 ARM 3.750% 2.625% 3.382% 0 360 $4.63 $4.02
7/1 ARM 3.500% 2.625% 3.095% 0 360 $4.49 $4.02
5/1 ARM 3.250% 2.625% 2.905% 0 360 $4.35 $4.02

Annual Percentage Rates (APRs) listed above are based upon 20% down and subject to change without notice. Listed rates apply only to 1-4 family, owner-occupied homes. Rates vary based on credit, loan to value, property type and appraisal review.  Rates and APRs may increase after consummation.  The monthly payment amount shown includes principal and interest. Taxes and insurance are not included in the monthly payment amount. Homeowner’s insurance and flood insurance (if applicable) are required. Private Mortgage Insurance (PMI) required if down payment is less than 20%. Your actual monthly payment amount may be higher. An escrow account may be required. Your APR will vary based on your final loan amount and finance charge. Maximum loan subject to FNMA/FHLMC limits.

 

Construction

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Construction

Product Description Interest Rate FULLY INDEXED INTEREST RATE as of October 13, 2020 ANNUAL PERCENTAGE RATE POINTS MONTHLY PAYMENTS Monthly Payments per $1,000 Monthly Payments per $1,000 After First Adjustment
10/1 ARM 4.250% 2.625% 3.713% 0 360 $5.00 $4.02
7/1 ARM 4.000% 2.625% 3.339% 0 360 $4.86 $4.02
5/1 ARM 3.750% 2.625% 3.090% 0 360 $4.72 $4.02

Annual Percentage Rates (APRs) listed above are based upon 20% down and subject to change without notice. Listed rates apply only to 1-4 family, owner-occupied homes. Rates vary based on credit, loan to value, property type and appraisal review. Rates and APRs may increase after consummation. The monthly payment amount shown includes principal and interest. Taxes and insurance are not included in the monthly payment amount. Homeowner’s insurance and flood insurance (if applicable) are required. Private Mortgage Insurance (PMI) required if down payment is less than 20%. Your actual monthly payment amount may be higher. An escrow account may be required. Your APR will vary based on your final loan amount and finance charge. Maximum loan subject to FNMA/FHLMC limits.