Mortgage Home Loan Rates

Fixed Rate
We offer fixed rate for terms from 10-30 years.

• 10-Year Fixed Payment example: A 10-Year Fixed loan of $200,000 for 10 years at 5.750% interest and 6.026% APR will have a monthly payment of $2,223.02.
• 15-Year Fixed Payment example: A 15-Year Fixed loan of $200,000 for 15 years at 6.000% interest and 6.198% APR will have a monthly payment of $1,709.18.
• 30-Year Fixed Payment example: A 30-Year Mortgage loan of $200,000 for 30 years at interest and APR will have a monthly payment of .

Adjustable-Rate Mortgage 15/15
Adjustable-Rate Mortgage (ARM) is variable and your rate may increase after the original rate period. The adjustable rate mortgage is tied to the 10-Year CMT index. Adjustable rates cannot change more than 6% at the adjustment period and cannot adjust more than 6% over the life of the loan.

• Payment example: A 15/15 30-Year Adjustable Rate Mortgage of $200,000 for 30 years at 6.500% interest and 6.624% APR will have a monthly payment of $1,280.49.

Adjustable-Rate Mortgage 5/5
Adjustable-Rate Mortgage (ARM) is variable and your rate may increase after the original rate period. The adjustable rate mortgage is tied to the 10-Year CMT index. Adjustable rates cannot change more than 2% at the adjustment period and cannot adjust more than 5% over the life of the loan.

• Payment example: A 5/5 30-Year loan of $200,000 for 30 years at 5.625% interest and 5.739% APR will have a monthly payment of $1,165.75.

USDA
Borrower must demonstrate requirements for income eligibility with property being located in a rural eligible area.  No down payment for qualified borrowers. Loan amount may include the guaranteed fee. All USDA loan terms are for 30 years.

• Payment example: A USDA loan of $200,000 for 30 years at 7.000% interest and 7.130% APR will have a monthly payment of $1,348.11

Jumbo Mortgage
Loan amounts over $647,201 may qualify for a jumbo product from our portfolio line. Products offered are 15/15 ARM and 5/5 ARM. Jumbo Loans are allowed to go up to 90%. We offer competitive rates with local underwriting adding a .50bp for origination fee. Loan qualifications begin with a minimum beacon score of 700.

• Payment example: A 15/15 Jumbo Mortgage of $647,201 for 30 years at interest and APR will have a monthly payment of .

Additional Information
We offer no Private Mortgage Insurance (PMI) on some mortgage products, and unimproved land loans. We now offer referral options for VA and FHA products. For more information on how these products may benefit you, please contact one of our Home Lending Advisors who will assist you in determining the right product for your needs.