Mortgage and Home Loan Center

Mortgage Rates

4.375%
30 Year Fixed Rate Conventional
4.457% APR, 0.000% Points
Payment Example: $499.29 / month*
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4.125%
20 Year Fixed Rate Conventional
4.237% APR, 0.000% Points
Payment Example: $612.59 / month*
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3.375%
15 Year Fixed Rate Conventional
3.515% APR, 0.000% Points
Payment Example: $708.76 / month*
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3.740%
10 Year Mortgage Rate
3.740% APR, 0.000% Points
Payment Example: $1,000.14 / month*
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3.240%
7 Year Mortgage Rate
3.240% APR, 0.000% Points
Payment Example: $1,332.17 / month*
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2.890%
5 Year Mortgage Rate
2.890% APR, 0.000% Points
Payment Example: $1,791.99 / month*
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Home Equity Rates

3.25%
Home Equity Line of Credit
Variable
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Specialty Loan Rates

4.25% APR
Construction Loan
Variable
Payment Example: Interest Only
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5.99% APR
Improved Building Lot
Fixed
Payment Example: $598.91* / month
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Rates and terms are accurate as of April 18, 2014 and are subject to change.

The rates listed above are our best rates. Your rate may be higher depending on underwriting criteria.

Annual Percentage Rates (APRs) for 12, 15 and 20 year mortgages are calculated based on a $10,000 loan with a 0.50% origination fee.

Home equity loans and lines of credit have a maximum variable APR of 18%. Fees may apply if closed within 24 months.

As of April 1, 2014, Prime Rate is 3.25% APR.

Construction loan rate is for construction loans up to $417,000 on approved credit. 4.25% Variable Rate is based on Prime Rate + 1.00%. As of April 1, 2014 Prime Rate is 3.25%.

Lot loan is for a 30-year term with a 3-year call.

*Payment example is for each $100,000.00 borrowed.

Equal Housing Lender NMLS ID# 440574
Receive a $300 Visa Reload Card with a $10,000 cash advance on a new or existing Home Equity Line of Credit

Home Equity Line of Credit

With a home equity line of credit (HELOC), you can borrow money against one of your greatest assets… your home. Much like a credit card, a HELOC gives you the flexibility to pay down your credit line and access funds as you need them.

A HELOC is a convenient and cost-effective option to finance home improvement projects or consolidate debt. You can also access the account to pay for vacations, weddings, college tuition, or whatever else life brings your way.

Goldenwest has excellent rates and terms for HELOCs, including:

  • 3.25% APR Variable (Prime Rate + 0%)
  • Receive a $300 Visa Reload Card with a balance of $10,000+
  • 20-year term only
  • No Fees or closing costs
  • Visa Platinum Card for convenient access to funds
  • Interest paid on a HELOC may be tax deductible

Three ways to apply:

$300 VISA Reload Card offer available on $10,000+ advance on a new or existing HELOC between 4/1/2014 and 6/30/2014. New money only. Limit one $300 promotional offer per HELOC. Rates valid as of 4/1/2014 on approved credit and on new Home Equity Lines of Credit only. No fee offers for lines $200,000 or less contingent on line of credit remaining open 24 months or longer. All rates and offers are available for a limited time and subject to change without notice. Consult your tax advisor for more information regarding the tax deductible benefits of a home equity line of credit. Offer available on owner-occupied homes only.

Interest-Only Home Equity Line of Credit

Goldenwest is offering a special interest-only Home Equity Line of Credit that can significantly lower your monthly payments and increase your cash flow.

  • 4.25% APR Variable (Prime Rate + 1%)
  • Interest-only payments for the first five years
  • Receive a $300 VISA Reload Card with a balance of $10,000+
  • 20-year term
  • No fees

$300 VISA Reload Card offer available on $10,000+ advance on a new or existing HELOC between 4/1/2014 and 6/30/2014. New money only. Limit one $300 promotional offer per HELOC. Rates valid as of 4/1/2014 on approved credit and on new Home Equity Lines of Credit only. Annual Percentage Rate (APR) of Prime Rate + 1.00% is a variable rate. Prime Rate is currently 3.25% APR. Free appraisal and no fee offers for lines $200,000 or less contingent on line of credit remaining open 24 months or longer. All rates and offers are available for a limited time and subject to change without notice. Offer available on owner-occupied homes only. Maximum loan-to-value of 75%. Appraised home value cannot exceed $500,000. Consult your tax advisor for more information regarding the tax deductible benefits of a home equity line of credit.