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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 $453,100) 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 4.125% 0.000 4.241% 5% $7.45 180
20 Year Fixed 4.375% 0.000 4.468% 5% $6.25 240
30 Year Fixed 4.625% 0.000 4.694% 5% $5.14 360

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 4.500% 0.000 4.620% 25% $7.64 180
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* 3.750% 5 years 0.000 4.607% $4.63 5.000% 25 years $5.26 5%
7/1 adjustable* 3.990% 7 years 0.000 4.579% $4.76 5.000% 23 years $5.25 5%
10/1 adjustable* 4.125% 10 years 0.000 4.518% $4.84 5.000% 20 years $5.22 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* 4.500% 5 years 0.000 4.884% $5.06 5.000% 25 years $5.32 25%
10/1 adjustable* 4.750% 10 years 0.000 4.912% $5.21 5.000% 20 years $5.32 25%

*Rate may change after the account is opened.

FIRST TIME HOME BUYER PROGRAM

Owner occupied First Mortgages up to $453,100 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 * 4.125% 15 years 0.000 4.517% $5.15 5.000% 15 years $5.00 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 $453,100 - $1,000,000

Product Interest Rate Points Annual Percentage Rate (APR) Minimum % Down Payment per $1,000 borrowed Number of Payments
15 Year Fixed 4.125% 0.000 4.172% 25% $7.45 180
20 Year Fixed 4.375% 0.000 4.413% 25% $6.25 240
30 Year Fixed 4.625% 0.000 4.654% 25% $5.14 360
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* 3.990% 7 years 0.000 4.540% $4.76 5.000% 23 years $5.25 25%
10/1 adjustable* 4.125% 10 years 0.000 4.479% $4.84 5.000% 20 years $5.22 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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