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 $484,350) 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 | 3.125% | 0.000 | 3.232% | 5% | $6.96 | 180 |
20 Year Fixed | 3.500% | 0.000 | 3.585% | 5% | $5.79 | 240 |
30 Year Fixed | 3.625% | 0.000 | 3.687% | 5% | $4.56 | 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) |
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15 Year Fixed | 4.750% | 0.000 | 4.872% | 25% | $7.77 | 180 |
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 | Minimum Down |
---|---|---|---|---|---|---|---|---|---|
Owner occupied First Mortgage | |||||||||
5/1 Adjustable | 3.250% | 5 years | 0.000 | 4.034% | $4.35 | 4.375% | 25 years | $4.90 | 5% |
7/1 Adjustable | 3.375% | 7 years | 0.000 | 3.965% | $4.42 |
4.375%
|
23 years | $4.87 | 5% |
10/1 Adjustable | 3.50% | 10 years | 0.000 | 3.898% | $4.49 | 4.375% | 20 years | $4.84 | 5% |
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. Rate may change after the account is opened.
Non-Owner occupied |
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5/1 Adjustable | 4.750% | 5 years | 0.000 | 4.582% | $5.21 | 4.375% | 25 years | $5.02 | 25% |
10/1 Adjustable | 5.000% | 10 years | 0.000 | 4.844% | $5.36 | 4.375% | 20 years | $5.09 | 25% |
Rate may change after the account is opened. |
First Time Home Buyer Program
Owner occupied First Mortgages up to $484,350 for 1-Unit Single-Family/Condominium and $620,200 for 2-Unit properties 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 | 3.500% | 15 years | 0.000 | 3.979% | $4.80 | 4.375% | 15 years | $4.76 | 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 Fixed Rates
Owner Occupied Loans are between $484,351 - $1,000,000
Product | Interest Rate | Points | Annual Percentage Rate (APR) | Minimum Down | Payment per $1,000 borrowed | Number of Payments |
---|---|---|---|---|---|---|
15 Year Fixed | 3.125% | 0.000 | 3.165% | 25% | $6.96 | 180 |
20 Year Fixed | 3.500% | 0.000 | 3.533% | 25% | $5.79 | 240 |
30 Year Fixed | 3.625% | 0.000 | 3.649% | 25% | $4.56 | 360 |
Payments shown do not include taxes or home owner's insurance. Your payment may be greater. Payment and rates based on a 25% down payment and no mortgage insurance. |
Jumbo Adjustable Rates
Owner Occupied Loans are between $484,351 - $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 | Minimum Down |
---|---|---|---|---|---|---|---|---|---|
7/1 Adjustable | 3.375% | 7 years | 0.000 | 3.928% | $4.42 | 4.375% | 23 years | $4.87 | 25% |
10/1 Adjustable | 3.50% | 10 years | 0.000 | 3.860% | $4.49 | 4.375% | 20 years | $4.84 | 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. |