Residential Loan Rates

Effective as of 01/18/18

Term

Interest Rate

Points

APR*

Maximum Loan Amount

Payment Per Thousand

15 Year Fixed**

3.250%

1

3.516%

$424,100.00

$7.03

15 Year Fixed**

3.500%

0

3.621%

$424,100.00

$7.15

30 Year Fixed**

3.875%

1

4.029%

$424,100.00

$4.70

30 Year Fixed**

4.000%

0

4.071%

$424,100.00

$4.77

30 Year Fixed Super Conforming**

4.125%

1

4.331%

$598,000.00***

$4.85

5/1 Adjustable Secondary Market****

N/A

0

N/A

N/A

N/A

7/1 Adjustable Secondary Market****

N/A

0

N/A

N/A

N/A

5/1 Adjustable Portfolio****

N/A

0

N/A

N/A

N/A

5/1 Adjustable Jumbo Portfolio****

N/A

0

N/A

N/A

N/A

Home Equity Loan

N/A

0

N/A

N/A

N/A

Home Equity Line

N/A

0

N/A

N/A

N/A

* APR- Annual Percentage Rate
* Rates and programs are subject to change.
* APR's assume a 20% down payment. The 5/1 ARM Portfolio assumes a 30 year term with the interest rate fixed for the initial 60 months of the loan; thereafter the rate and payment may adjust every 12 months; the maximum adjustment at each rate change date is 2% with a lifetime maximum increase of 6% and a margin of 2.625%. The 5/1 ARM and 7/1 ARM Secondary Market assumes a 30 year term. The initial note rate is in effect for a fixed term; the maximum initial rate adjustment is 5%, and subsequent maximum adjustments are 2%, with a lifetime maximum increase of 5%.
* Rates assume a 740 minimum credit score and a 80% maximum Loan To Value (LTV).
** Rates based on a single family residence, owner occupied purchase transaction with borrower paid closing costs.
*** Amount varies by location- please call for details.
**** Adjustable Rate Mortgages where the rate can change after and initial fixed period.

Ex: The 5/1 ARM with a thirty year term will be 60 months at the disclosed rate of 4.375% and potentially 300 months at 3.625% (fully indexed rate) with an APR of 3.476%.
Ex: The 5/1 Jumbo ARM with a thirty year term will be 60 months at the disclosed rate of 5.000% and potentially 300 months at 3.625% (fully indexed rate) with an APR of 3.682%.
Ex: The 5/1 ARM Secondary Market with a thirty year term will be 60 months at the disclosed rate of 3.125% and potentially 300 months at 2.875% (fully indexed rate) with an APR of 3.034%.
Ex: The 7/1 ARM Secondary Market with a thirty year term will be 84 months at the disclosed rate of 3.500% and potentially 276 months at 2.875% (fully indexed rate) with an APR of 3.232%. The fully indexed rate is based upon the margin plus index at time of closing.
The fully indexed rate is based upon the margin plus the index at time of closing.
The payments listed above do not include taxes and/or insurance. Your payment may/will be greater if your loan is secured by a first lien.

15 Year Fixed & 30 yr. Fixed

Annual Percentage Rate (APR) based on $200,000 loan amounts (unless noted) and Maximum Loan to Value (LTV) of 80%.

30 Year Fixed Jumbo

Annual Percentage Rate (APR) based on $598,000 loan amounts (unless noted) and Maximum Loan to Value (LTV) of 80%.

5/1 Adjustable Portfolio

N/A

5/1 Adjustable JUMBO Portfolio

N/A

5/1 & 7/1 Adjustable Secondary Market

N/A

Home Equity Line of Credit

N/A

Home Equity Loan

N/A

 

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