Mortgage Rates (Fixed)
Effective Date: Monday, January 20th, 2025
Subject to change. Rates are calculated based on loan purpose, loan-to-value, loan term, loan amount and credit score. See Assumptions and APR section for the pricing scenario for these rates.
| Fixed Rate Loans Conforming and Government | Rate | Annual Percentage Rate (APR) |
|---|---|---|
| 30-Year Fixed | 7.000% | 7.197% |
| 20-Year Fixed | 6.625% | 6.878% |
| 15-Year Fixed | 6.375% | 6.689% |
| 30-Year USDA | 7.250% | 8.043% |
| Home Ready | 7.250% | 7.450% |
| 1-Time Construction (Other) | 7.000% | 7.198% |
| 30-Year FHA | 7.125% | 8.216% |
| 30-Year VA | 7.125% | 7.482% |
| Lot loans - Please contact our morgtage department for rates |
Mortgage Rates (Adjustable)
Effective Date: Monday, January 20th, 2025
Subject to change. Rates are calculated based on loan purpose, loan-to-value, loan term, loan amount and credit score. See Assumptions and APR section for the pricing scenario for these rates.
| Adjustable-Rate Mortgages | Mortgage Rate | Annual Percentage Rate (APR) |
|---|---|---|
| 30-Year 1/1 ARM | 6.250% | 6.439% |
| 15-Year 1/1 ARM | 6.000% | 6.311% |
| 30-Year 3/1 ARM | 6.375% | 6.689% |
| 15-Year 3/1 ARM | 6.125% | 6.185% |
| 30-Year 5/1 ARM | 6.500% | 6.815% |
| 15-Year 5/1 ARM | 6.250% | 6.311% |
| 30-Year 5/5 ARM | 6.625% | 6.941% |
| 15-Year 5/5 ARM | 6.375% | 6.689% |
| 30-Year 7/1 ARM | 6.750% | 6.944% |
| 15-Year 7/1 ARM | 6.500% | 6.815% |
Home Equity Rates
Effective Date: Monday, January 20th, 2025
Subject to change. All rates shown as Annual Percentage Rate (APR).
| intentionally empty table header | Home Equity Loan | Home Equity Visa Line of Credit* |
|---|---|---|
| Amount | $5,000 minimum | $5,000 minimum |
| Annual Percentage Rate (APR) | As low as 6.74% APR | Prime rate + 0% variable rate with 5.99% floor |
| Early Closure Fee | Fee charged equal to closing fees if closed in the first two years | |
| *Interest rate is adjusted annually. | ||