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Home Mortgage Rates

Residential Real Estate Loans for 1-4 Family Dwellings.
All rates and terms are subject to change at any time.

October 21, 2013 9:17 AM

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For more information, call (866) 823-6887

FIXED RATES

Owner occupied or Second Home (First Mortgages up to $424,100) Loans over this amount are Jumbos.

Product Interest Rate Points Annual Percentage Rate (APR) Minimum Down Payment per $1,000 Borrowed Number of Payments
15 Year Fixed 3.375% 0.000 3.484% 5% $7.08 180
20 Year Fixed 3.990% 0.000 4.079% 5% $6.05 240
30 Year Fixed 4.125% 0.000 4.190% 5% $4.84 360

Payments shown do not include taxes or home owner's insurance.  Your payment may be greater.  Payments and rates based on 20% down payment and no mortgage insurance.

Non-Owner occupied (First Mortgages up to $500,000)

15 Year Fixed 4.000% 0.000 4.115% 25% $7.39 180
ADJUSTABLE RATES

Payments shown do not include taxes or home owner's insurance.  Your payment may be greater. 

Product Interest Rate Term Points Annual Percentage Rate (APR) Payment per $1,000 borrowed Fully Indexed Rate Term Payment per $1,000 borrowed Minimum Down
Owner occupied First Mortgage
5/1 adjustable* 3.250% 5 years 0.000 3.795% $4.35 4.000% 25 years $4.71 5%
7/1 adjustable* 3.375% 7 years 0.000 3.768% $4.42 4.000% 23 years $4.70 5%
10/1 adjustable* 3.625% 10 years 0.000 3.831% $4.56 4.000% 20 years $4.71 5%

Payments and rates based on 20% down payment and no mortgage insurance. *Rate may change after the account is opened.

Non-Owner occupied

5/1 adjustable* 3.875% 5 years 0.000 4.019% $4.70 4.000% 25 years $4.76 25%
10/1 adjustable* 4.125% 10 years 0.000 4.143% $4.84 4.000% 20 years $4.79 25%

*Rate may change after the account is opened.

FIRST TIME HOME BUYER PROGRAM

Owner occupied First Mortgages up to $424,100 including Borrower with less than 20% downpayment

Product Interest Rate Term Points Annual Percentage Rate (APR) Payment per $1,000 borrowed Fully Indexed Rate Term Payment per $1,000 borrowed Minimum Down
15/1 adjustable * 3.625% 15 years 0.000 3.996% $4.86 4.000% 15 years $4.67 3%

Your payment may be greater. Payments and rates for loans with mortgage insurance are based on a 3% down payment and include estimated mortgage insurance payment. Available for 1-Unit Single-Family, Condominium or 2-Unit properties. 
* Payments shown do not include taxes or home owner's insurance. Rate may change after the account is opened.

JUMBO RATES

Owner Occupied Loans are between $424,100 - $1,000,000

Product Interest Rate Points Annual Percentage Rate (APR) Minimum % Down Payment per $1,000 borrowed Number of Payments
15 Year Fixed 3.500% 0.000 3.543% 25% $7.14 180
20 Year Fixed 3.990% 0.000 4.026% 25% $6.05 240
30 Year Fixed 4.125% 0.000 4.152% 25% $4.84 360
Product Interest Rate Term Points Annual Percentage Rate (APR) Payment per $1,000 borrowed Fully Indexed Rate Term Payment per $1,000 borrowed Minimum Down
7/1 adjustable* 3.375% 7 years 0.000 3.731% $4.42 4.000% 23 years $4.70 25%
10/1 adjustable* 3.625% 10 years 0.000 3.794% $4.56 4.000% 20 years $4.71 25%

Your payment may be greater. Payment and rates based on a 25% down payment and no mortgage insurance.   
*Payments shown do not include taxes or home owner's insurance.  Rate may change after the account is opened. 

 

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