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Loan Rates

Rates effective as of October 13, 2020.

All rates subject to change without notice.

Mortgage Loans

Term

Points

Interest Rate

APR

30 Year Fixed Rate

0 3.00% 3.021%

30 Year Fixed Rate

3 2.625% 2.881%

20 Year Fixed Rate

0 2.875% 2.904%

15 Year Fixed Rate

0 2.375% 2.413%

15 Year Fixed Rate

3 2.00% 2.465%

10 Year Fixed Rate

0 2.250% 2.305%

30 Year, 1 Year Adjustable Rate

3 Please call Please call

30 Year Fixed Rate Jumbo

0 3.25% 3.254%

30 Year Fixed Rate Jumbo

3 2.875% 2.896%

15 Year Fixed Rate Jumbo

0 2.500% 2.538%

15 Year Fixed Rate Jumbo

3 2.125% 2.592%

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 $421.60 with an annual percentage rate (APR) of 3.021%. Property insurance is required for all mortgage loans.

Closed End Home Equity Loans

Term

Interest Rate

APR

5 Year Fixed Rate

4.00% 4.02%

10 Year Fixed Rate

4.25% 4.26%

15 Year Fixed Rate

4.875% 4.88%

20 Year Fixed Rate

5.00% 5.00%

25 Year Fixed Rate

5.25% 5.25%

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 $368.33, with an annual percentage rate (APR) of 4.02%. Property insurance is required for all Home Equity Loans.

 

Home Equity Line Of Credit

 

 Rate

 APR

  3.25%

  3.25%

Annual Percentage Rate (APR) 3.25% 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 3.25%.  The APR can change monthly.  The minimum APR is 3.25%, the maximum APR is 18.00%.  The non-introductory rate is 3.25% as of 4/10/2020.  The minimum loan amount is $5,000.00.  The maximum loan amount is $300,000.00 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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