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Loan Rates for Owner-Occupied Property
Contact any of our locations for details of other home loan products.
Interest |
Origination |
Discount |
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Program |
Term |
Rate |
Fee |
Points | APR* |
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Purchase & Refinance |
Fixed Rates | 30 Year Fixed | 4.875% | 1.000% | 0.000% | 4.971% | 1 |
|
20 Year Fixed |
4.875% |
1.000% |
0.000% | 5.006% |
1 |
|
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15 Year Fixed |
4.375% |
1.000% |
0.000% | 4.539% |
1 |
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Adjustable Rates (ARM's) |
10/1 ARM |
5.500% |
1.000% |
0.000% | 6.358% |
2 |
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5/1 ARM |
5.250% |
1.000% |
0.000% | 6.812% |
2 |
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Construction Rates |
Fixed Rates |
30 Year Fixed |
5.250% |
1.000% |
0.000% | 5.379% |
1 |
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20 Year Fixed |
5.250% |
1.000% |
0.000% | 5.422% |
1 |
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15 Year Fixed |
5.250% |
1.000% |
0.000% | 5.467% |
1 |
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Adjustable Rates (ARM's) |
10/1 ARM |
5.250% |
1.000% |
0.000% | 6.235% |
2 |
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5/1 ARM |
5.000% |
1.000% |
0.000% | 6.745% |
2 |
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Home Equity |
Home Equity Fixed Rate Loans |
5 Year Fixed |
6.125% |
0.000% |
0.000% | 6.234% |
3 |
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10 Year Fixed |
6.750% |
0.000% |
0.000% | 6.901% |
3 |
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15 Year Fixed |
6.875% |
0.000% |
0.000% | 7.010% |
3 |
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Equity Line of Credit |
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Equity Checking |
Prime only for qualified lines over $25,000. Fixed rate plans available. Contact us for details! |
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*APR = Annual Percentage Rate; All rates shown are subject to credit approval.
Examples:
1 Rates and APR’s shown are based on a $140,000 loan amount with a 20% down payment. These rates assume a minimum 680 credit score, and rates will vary based on lower credit scores. No Private Mortgage Insurance (PMI) assumed. Details regarding estimated closing costs and fees will be provided by your loan officer. Locking an interest rate can only be done with a loan officer and will be based on the rates in effect at the time of your completed application with necessary documents. Property and title insurance are required. Flood insurance may be required. Rates, terms and conditions are subject to change without notice. An example of a conventional 30 year fixed rate loan at an APR of 6.758% (see above for current rates) will result in 359 payments of $908.04 and 1 payment of $908.87.
2 Rates and APR’s shown are based on a $140,000 loan amount with a 20% down payment. No Private Mortgage Insurance (PMI) assumed. Details regarding estimated closing costs and fees will be provided by your loan officer. Locking an interest rate can only be done with a loan officer and will be based on the rates in effect at the time of your completed application with necessary documents. Property and title insurance are required. Flood insurance may be required. Rates, terms and conditions are subject to change without notice. An example of a 10/1 Adjustable Rate Mortgage (ARM) with a 30 year term at an APR of 6.604% (see above for current rates) will result in 120 payments of $862.00, 239 payments of $914.34 and 1 payment of $913.19. An example of a 5/1 Adjustable Rate Mortgage (ARM) with a 30 year term at an APR of 6.700% (see above for current rates) will result in 60 payments of $839.37, 299 payments of $920.76 and 1 payment of $924.48. Due to the adjustable rate feature, the APR is subject to increase during the life of the loan.
3 Rates and APR’s shown are based on a $20,000 loan amount. Details regarding estimated closing costs and fees will be provided by your loan officer. Locking in an interest rate can only be done with a loan officer and will be based on the rates in effect at the time of your completed application with necessary documents. Property and title insurance may be required. Flood insurance may be required. Rates, terms and conditions are subject to change without notice. An example of a 15 year fixed rate loan at an APR of 7.553% (see above for current rates) will result in 180 payments of $185.40.
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