Please Note: These rates are based on a zero cash-out, 80% loan-to-value ratio mortgage, for borrowers with excellent credit. Your rate may be different depending upon your credit score, loan-to-value ratio, and transaction type.
Conforming Loans $200,000 - $417,000
Closing costs equal approx. 1.3% on loan amount, of which $750.00 affect APR (not including points). Loan amount assumed to be $300,000. 80% LTV. Owner occupied property.
Points
30 Year Fixed
20 Year Fixed
15 Year Fixed
APR*
Rate
APR*
Rate
APR*
Rate
0 Points
4.2710%
4.2500%
4.0288%
4.0000%
3.6616%
3.6250%
1 Points
4.1045%
4.0000%
4.0194%
3.8750%
3.6836%
3.5000%
2 Points
4.0631%
3.8750%
4.0105%
3.7500%
3.7067%
3.3750%
Conforming Loans $100,000 - $199,999
Closing costs equal approx. 1.6% on loan amount, of which $750.00 affect APR (not including points). Loan amount assumed to be $150,000. 80% LTV. Owner occupied property.
Points
30 Year Fixed
20 Year Fixed
15 Year Fixed
APR*
Rate
APR*
Rate
APR*
Rate
0 Points
4.4175%
4.3750%
4.1830%
4.1250%
3.8236%
3.7500%
1 Points
4.2515%
4.1250%
4.1744%
4.0000%
3.8465%
3.6250%
2 Points
4.2110%
4.0000%
4.1664%
3.8750%
3.8705%
3.5000%
Conforming Loans $50,000 - $99,999
Closing costs equal approx. 2.0% on loan amount, of which $750.00 affect APR (not including points). Loan amount assumed to be $75,000. 80% LTV. Owner occupied property.
Points
30 Year Fixed
20 Year Fixed
15 Year Fixed
APR*
Rate
APR*
Rate
APR*
Rate
0 Points
4.7116%
4.6250%
4.4925%
4.3750%
4.1487%
4.0000%
1 Points
4.5469%
4.3750%
4.4856%
4.2500%
4.1734%
3.8750%
2 Points
4.5079%
4.2500%
4.4793%
4.1250%
4.1993%
3.7500%
Conforming Loans Below $50,000
Closing costs equal approx. 2.5% on loan amount, of which $750.00 affect APR (not including points). Loan amount assumed to be $35,000. 80% LTV. Owner occupied property.
Points
30 Year Fixed
20 Year Fixed
15 Year Fixed
APR*
Rate
APR*
Rate
APR*
Rate
0 Points
4.9385%
4.7500%
4.7551%
4.5000%
4.4473%
4.1250%
1 Points
4.7745%
4.5000%
4.7502%
4.3750%
4.4745%
4.0000%
2 Points
4.7370%
4.3750%
4.7459%
4.2500%
4.5028%
3.8750%
Jumbo loans available for $417,000 and above. Balloon loans available with terms of 3 to 7 years. Home Equity Line-of-Credit loans available at competitive variable rates. Non-owner occupied financing available. Adjustable rate mortgages available. Contact a loan officer for more information and rates.
Home Construction Loan: 6.0000% rate with 0 points and a 5.5000% APR.