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Loan Rates

Rates effective as of January 10, 2023.

All rates subject to change without notice.

Mortgage Loans

Term

Points

Interest Rate

APR

30 Year Fixed Rate

0 6.250% 6.377%

30 Year Fixed Rate

3 5.875% 6.302%

20 Year Fixed Rate

0 6.000% 6.183%

15 Year Fixed Rate

0 5.500% 5.725%

15 Year Fixed Rate

3 5.125% 5.823%

10 Year Fixed Rate

0 5.250% 5.567%

30 Year, 1 Year Adjustable Rate

3 Please call Please call

30 Year Fixed Rate Jumbo

0 6.375% 6.391%

30 Year Fixed Rate Jumbo

3 6.000% 6.302%

15 Year Fixed Rate Jumbo

0 5.625% 5.648%

15 Year Fixed Rate Jumbo

3 5.250% 5.741%

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 $615.72 with an annual percentage rate (APR) of 6.377%. Property insurance is required for all mortgage loans.

Closed End Home Equity Loans

Term

Interest Rate

APR

5 Year Fixed Rate

5.375% 5.433%

10 Year Fixed Rate

5.625% 5.657%

15 Year Fixed Rate

5.750% 5.773%

20 Year Fixed Rate

6.000% 6.019%

25 Year Fixed Rate

6.250% 6.266%

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 $380.87, with an annual percentage rate (APR) of 5.375%. Property insurance is required for all Home Equity Loans.

 

Home Equity Line Of Credit

 

 Rate

 APR

  7.00%

  7.00%

Annual Percentage Rate (APR) 7.00% 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, currently 7.50%, as published in the Wall Street Journal on the 3rd Wednesday of the preceding month with a floor of 7.00%. The APR can change monthly. The minimum APR is 7.00%, the maximum APR is 18.00%. The non-introductory rate is 7.50% as of 1/10/2023. 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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