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Loan Rates

Rates effective as of October 6, 2022.

All rates subject to change without notice.

Mortgage Loans

Term

Points

Interest Rate

APR

30 Year Fixed Rate

0 6.125% 6.256%

30 Year Fixed Rate

3 5.750% 6.166%

20 Year Fixed Rate

0 5.875% 6.047%

15 Year Fixed Rate

0 5.625% 5.839%

15 Year Fixed Rate

3 5.250% 5.940%

10 Year Fixed Rate

0 5.375% 5.677%

30 Year, 1 Year Adjustable Rate

3 Please call Please call

30 Year Fixed Rate Jumbo

0 6.250% 6.262%

30 Year Fixed Rate Jumbo

3 5.875% 6.171%

15 Year Fixed Rate Jumbo

0 5.750% 5.769%

15 Year Fixed Rate Jumbo

3 5.375% 5.864%

A 5% minimum down payment is required. Private Mortgage Insurance (PMI) is required for loans with a down payment less than 20%. The annual percentage rate (APR) shown assumes a 20% down payment.
A 30 Year, fixed rate, 0 point mortgage for $100,000 with a 20% down payment would have a monthly payment of $607.61 with an annual percentage rate (APR) of 6.243%. Property insurance is required for all mortgage loans.

Closed End Home Equity Loans

Term

Interest Rate

APR

5 Year Fixed Rate

4.750% 4.776%

10 Year Fixed Rate

5.250% 5.264%

15 Year Fixed Rate

5.500% 5.510%

20 Year Fixed Rate

5.750% 5.758%

25 Year Fixed Rate

6.000% 6.007%

The maximum loan to value for a Home Equity Loan is 80%. A 5 year fixed rate Home Equity Loan for $20,000 would have a monthly payment of $377.42, with an annual percentage rate (APR) of 5.026%. Property insurance is required for all Home Equity Loans.

 

Home Equity Line Of Credit

 

 Rate

 APR

  6.00%

  6.25%

Annual Percentage Rate (APR) 6.25% applies for a 12 month introductory period.  The APR after the 12 month introductory period will be a variable rate equal to the prime rate as published in the Wall Street Journal the 3rd Wednesday of the preceding month with a floor of 6.25%.  The APR can change monthly.  The minimum APR is 6.25%, the maximum APR is 18.00%.  The non-introductory rate is 6.25% as of 9/22/2022.  The minimum loan amount is $5,000.00.  The maximum loan amount is $500,000.00 or will vary based on the combined maximum loan to value ratio.  The maximum combined loan to value amount is 80%.  After the first 12 months, the line has a $50.00 annual fee if the loan account has a zero balance for the 12 month period.

 

 

 

 

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