Residential Real Estate Loans for 1-4 Family Dwellings.
All rates and terms are subject to change at any time.
Fixed Rates
Owner occupied or Second Home (First Mortgages up to $548,250) Loans over this amount are Jumbos
Product | Interest Rate | Points | Annual Percentage Rate (APR) | Payment per $1,000 Borrowed | Number of Payments | |||
---|---|---|---|---|---|---|---|---|
15 Year Fixed | 2.625% | 0.000 | 2.767% | $6.72 | 180 | |||
20 Year Fixed | 2.875% | 0.000 | 2.986% | $5.48 | 240 | |||
30 Year Fixed | 3.000% | 0.000 | 3.079% | $4.21 | 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 for owner occupied or 35% down payment for second home and no mortgage insurance.
Non-Owner occupied (First Mortgages up to $500,000) |
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15 Year Fixed
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5.500% | 0.000 | 5.672% | $8.17 |
180
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Payment and rates based on 40% down payment and no mortgage insurance.
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Adjustable Rates
Product | Interest Rate | Term | Points | Annual Percentage Rate (APR) | Payment per $1,000 borrowed | Fully Indexed Rate | Term | Payment per $1,000 borrowed |
---|---|---|---|---|---|---|---|---|
Owner occupied First Mortgage or Second Home | ||||||||
5/1 Adjustable | 3.000% | 5 years | 0.000 | 2.997% | $4.21 | 2.875% | 25 years | $4.15 |
7/1 Adjustable | 3.125% | 7 years | 0.000 | 3.069% | $4.28 |
2.875%
|
23 years | $4.17 |
10/1 Adjustable | 3.125% | 10 years | 0.000 | 3.106% | $4.28 | 2.875% | 20 years | $4.18 |
Payments shown do not include taxes or home owner's insurance. Your payment may be greater. Payments and rates based on 20% down payment for owner occupied or 35% down payment for second home and no mortgage insurance. Rate may change after the account is opened.
Non-Owner occupied |
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5/1 Adjustable | 5.500% | 5 years | 0.000 | 3.915% | $5.67 | 2.875% | 25 years | $4.32 |
10/1 Adjustable | 5.750% | 10 years | 0.000 | 4.815% | $5.83 | 2.875% | 20 years | $4.55 |
Payments and rates based on 40% down payment and no mortgage insurance. Rate may change after the account is opened. |
First Time Home Buyer Program
Owner occupied First Mortgages up to $548,250 for 1-Unit Single-Family/Condominium and $702,000 for 2-Unit properties. Contact us for loan limits for multi-unit property.
Product | Interest Rate | Points | Annual Percentage Rate (APR) | Payment per $1,000 Borrowed |
Number of Payments |
---|---|---|---|---|---|
ONE Mortgage | 2.170% | 0.000 | 2.243% | $3.78 | 360 |
Payments shown do not include taxes, home owner’s or mortgage insurance. Your payment may be greater. Payments and rates based on 3% down payment. Income and asset limitations may apply. |
Product | Interest Rate | Term | Points | Annual Percentage Rate (APR) | Payment per $1,000 Borrowed | Fully Indexed Rate | Term | Payment per $1,000 borrowed |
---|---|---|---|---|---|---|---|---|
15/1 adjustable | 3.125% | 15 years | 0.000 | 3.397% | $4.60 | 2.875% | 15 years | $4.20 |
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 Fixed Rates
Owner Occupied and Second Home Loans are between $548,251 - $1,000,000
Product | Interest Rate | Points | Annual Percentage Rate (APR) | Payment per $1,000 borrowed | Number of Payments |
---|---|---|---|---|---|
15 Year Fixed | 2.625% | 0.000 | 2.663% | $6.72 | 180 |
20 Year Fixed | 2.875% | 0.000 | 2.906% | $5.48 | 240 |
30 Year Fixed | 3.000% | 0.000 | 3.022% | $4.21 | 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 for owner occupied or 35% down payment for second home and no mortgage insurance. |
Jumbo Adjustable Rates
Owner Occupied or Second Home Loans are between $548,251 - $1,000,000
Product | Interest Rate | Term | Points | Annual Percentage Rate (APR) | Payment per $1,000 borrowed | Fully Indexed Rate | Term | Payment per $1,000 borrowed |
---|---|---|---|---|---|---|---|---|
7/1 Adjustable | 3.125% | 7 years | 0.000 | 3.012% | $4.28 | 2.875% | 23 years | $4.17 |
10/1 Adjustable | 3.125% | 10 years | 0.000 | 3.049% | $4.28 | 2.875% | 20 years | $4.18 |
Payments shown do not include taxes or home owner's insurance. Your payment may be greater. Payments and rates based on 20% down payment for owner occupied or 35% down payment for second home and no mortgage insurance. Rate may change after the account is opened. |