Home Loan Rates
Home Loans
30 Year Fixed
Conventional Mortgage
as low as 3.500% (3.606% APR)
20 Year Fixed
Conventional Mortgage
as low as 3.125% (3.284% APR)
15 Year Fixed
Conventional Mortgage
as low as 3.000% (3.204% APR)
5/1 Adjustable Rate Mortgage No MI
Mortgage
as low as 4.625% (4.826% APR)
20 Year First Mortgage w/ 5 Year Call
Mortgage
4.875% (5.144% APR)
20 Year Second Mortgage w/ 5 Year Call
Mortgage
5.240% (5.343% APR)
15 Year First Mortgage w/ 5 Year Call
Mortgage
4.740% (4.869% APR)
15 Year Second Mortgage w/ 5 Year Call
Mortgage
5.240% (5.371% APR)
12 Year First Mortgage w/ 6 Year Call
Mortgage
4.490% (4.646% APR)
12 Year Second Mortgage w/ 6 Year Call
Mortgage
4.990% (5.148% APR)
10 Year Mortgage
Mortgage
4.490% (4.490% APR)
7 Year Mortgage
Mortgage
4.240% (4.240% APR)
5 Year Mortgage
Mortgage
3.990% (3.990% APR)
Home Equity Line of Credit
20 Year Term - Variable
as low as 5.500% APR
90% Home Equity Loan
10 Year Term - Fixed Rate
5.25% APR
90% Home Equity Loan
7 Year Term - Fixed Rate
5.00% APR
90% Home Equity Loan
5 Year Term - Fixed Rate
5.00% APR
Interest-Only Home Equity Line of Credit
20 Year Term - Variable
as low as 5.500% APR
Construction Loan
Fixed
4.490% (6.541% APR)
One-Time Close Construction Loan
5/1 ARM No MI
as low as 4.625% (4.972% APR)
One-Time Close Construction Loan
7/1 ARM
as low as 4.625% (4.942% APR)
Improved Building Lot
Fixed
5.490% (5.862% APR)
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Rates and terms are accurate as of June 26, 2019 and are subject to change. The rates listed above are our best rates. Your rate may be higher depending on underwriting criteria. Home equity loans and lines of credit have a maximum variable APR of 18%. Fees may apply if closed within 24 months. Construction Rate is 4.49% Fixed with an APR as low as 6.541%. Rate example based on loan amount of $350K, 660+ FICO, and 90% loan-to-value. One-Time Close Construction Loan 5/1 ARM No MI: One-Time Close Construction long-term loan is a 30-Year 5/1 Adjustable Rate Mortgage (ARM). Stated rate is as low as 4.625%, Annual Percentage Rate (APR) 4.972% Rate example based on loan amount of $350K, 680+ FICO, and 80% loan-to-value. Rate for construction period of loan is 4.24% Fixed. Payment examples based on 50% loan-to-value, loan amount of $100,000 and interest payments. 5-year mortgage at 3.99% fixed Annual Percentage Rate (APR) will have a monthly payment of $1,842. 7-year mortgage at 4.24% APR fixed will have a monthly payment of $1,379. 10-year mortgage at 4.49% APR fixed will have a monthly payment of $1,037. No fees or closing costs on loans under $200,000. Other conditions and restrictions may apply. Rates subject to change without notice. As of January 1, 2019, Prime Rate is 5.50% APR One-Time Close Construction Loan 7/1 ARM: One-Time Close Construction long-term loan is a 30-Year 7/1 Adjustable Rate Mortgage (ARM). Stated rate is as low as 4.625%, Annual Percentage Rate (APR) 4.942% Rate example based on loan amount of $350K, 680+ FICO, and 80% loan-to-value. Rate for construction period of loan is 4.625% Fixed. Annual Percentage Rates (APRs) for 12, 15 and 20 year mortgages are calculated based on a $100,000 loan with a 0.50% origination fee. 90% Home Equity Loan maximum loan amount is equal to 90% LTV or $250,000, whichever is less. Cap is $250,000. Lot Loan Rate is 5.49% Fixed with an APR as low as 5.862%. Rate example based on loan amount of $100K, 680+ FICO, and 80% loan-to-value. 5/1 ARM No MI Rate is 4.625%. Annual Percentage Rate (APR) as low as 4.826% with a monthly principle and interest payment of $1,281. Rate and payment example based on loan amount of $200K, 680+ FICO, and 80% loan-to-value.
