Mortgage Rates

Table data for Fixed Rate Mortgage Programs
 Rates effective 12-12-2018
Rates As Low As Annual Percentage Rate (APR) Term Information Points Monthly Payment Per $1,000 Alert Me
5.000% 5.118% 30 Year 0 $5.37
4.875% 5.034% 20 Year 0 $6.53
4.500% 4.624% 15 Year 0 $7.65
4.375% 4.552% 10 Year 0 $10.30
All Rates are for Owner-Occupied 1-4 Unit property only. Payments amounts on the above products do not include amounts for taxes and insurance premiums. Your payments may be greater. Annual Percentage Rate (APR) assumes a purchase transaction and is based on a loan of $100,000 with 20% down and a minimum credit score of 740 for all borrowers. Your rate and APR may be higher. All loans are priced individually. Rates are subject to change at any time. Maximum LTV of 97% for the purchase of a single-family primary residence only. Fixed Rate Mortgage loans may also be subject to risk-based pricing adjustments called "loan-level price adjustments" as defined by the most recent Fannie Mae LLPA Chart. Minimum Loan amount is $10,000 with Maximum Loan Amount not to exceed Fannie Mae Loan Limits for property type and location. This limit is generally $453,100.00. Rates and amount financed are determined by your credit history and are based on excellent credit.

Table data for 1/1 Year Adjustable Rate Mortgage Program
 Rates effective 12-12-2018
Rates As Low As Annual Percentage Rate (APR) Points Monthly Payment Per $1,000 Fully Indexed Rate Monthly Payment Per $1,000 (with Fully Indexed Rate) Alert Me
3.500% 5.388% 0 $4.49 first 12 months 5.500% $5.76
All Rates are for Owner-Occupied 1-4 Unit Property Only. Maximum Loan Term is 360 months. Caps: 2% per change/6% lifetime. Base Margin: 2.75%. Index: 1 yr T-Bill as published in the Wall Street Journal. Estimated Monthly Payment per $1000 – Loan principal and interest. If an escrow account for taxes and insurance is required, total monthly payment will be higher. The stated amount per $1,000 is based on the fixed rate period and the payment will likely increase after that period of time. Payments amounts on the above products do not include amounts for taxes and insurance premiums. Your payments may be greater. *Annual Percentage Rate (APR) is based on a loan of $100,000 with 20% down and a minimum credit score of 720 for all borrowers. Your rate, margin and APR may be higher. All loans are priced individually, your rate may be higher. The APR on ARMs is adjusted periodically after closing, which may result in an increase. Rates are subject to change. Maximum LTV for all products is 97%, and is reserved for the purchase of a single-family primary residence only.

Table data for 3/1 Year Adjustable Rate Mortgage Program
 Rates effective 12-12-2018
Rates As Low As Annual Percentage Rate (APR) Points Monthly Payment Per $1,000 Fully Indexed Rate Monthly Payment Per $1,000 (with Fully Indexed Rate) Alert Me
3.875% 5.359% 0 $4.70 first 36 months 5.500% $5.93
All Rates are for Owner-Occupied 1-4 Unit Property Only. Maximum Loan Term is 360 months. Caps: 2% per change/6% lifetime. Base Margin: 2.75%. Index: 1 yr T-Bill as published in the Wall Street Journal. Estimated Monthly Payment per $1000 – Loan principal and interest. If an escrow account for taxes and insurance is required, total monthly payment will be higher. The stated amount per $1,000 is based on the fixed rate period and the payment will likely increase after that period of time. Payments amounts on the above products do not include amounts for taxes and insurance premiums. Your payments may be greater. *Annual Percentage Rate (APR) is based on a loan of $100,000 with 20% down and a minimum credit score of 720 for all borrowers. Your rate, margin and APR may be higher. All loans are priced individually, your rate may be higher. The APR on ARMs is adjusted periodically after closing, which may result in an increase. Rates are subject to change. Maximum LTV for all products is 97%, and is reserved for the purchase of a single-family primary residence only.

Table data for 5/1 Year Adjustable Rate Mortgage Program
 Rates effective 12-12-2018
Rates As Low As Annual Percentage Rate (APR) Points Monthly Payment Per $1,000 Fully Indexed Rate Monthly Payment Per $1,000 (with Fully Indexed Rate) Alert Me
4.250% 5.252% 0 $4.92 first 60 months 5.750% $6.29
All Rates are for Owner-Occupied 1-4 Unit Property Only. Maximum Loan Term is 360 months. Caps: 2% per change/5% lifetime. Base Margin: 3.000%. Index: 1 yr T-Bill as published in the Wall Street Journal. Estimated Monthly Payment per $1000 – Loan principal and interest. If an escrow account for taxes and insurance is required, total monthly payment will be higher. The stated amount per $1,000 is based on the fixed rate period and the payment will likely increase after that period of time. Payments amounts on the above products do not include amounts for taxes and insurance premiums. Your payments may be greater. *Annual Percentage Rate (APR) is based on a loan of $100,000 with 20% down and a minimum credit score of 720 for all borrowers. Your rate, margin and APR may be higher. All loans are priced individually, your rate may be higher. The APR on ARMs is adjusted periodically after closing, which may result in an increase. Rates are subject to change. Maximum LTV for all products is 97% unless part of first-time homebuyer program, and is reserved for the purchase of a single-family primary residence only.

Table data for 7/1 Year Adjustable Rate Mortgage Program
 Rates effective 12-12-2018
Rates As Low As Annual Percentage Rate (APR) Points Monthly Payment Per $1,000 Fully Indexed Rate Monthly Payment Per $1,000 (with Fully Indexed Rate) Alert Me
4.375% 5.142% 0 $4.99 first 84 months 5.750% $6.54
All Rates are for Owner-Occupied 1-4 Unit Property Only. Maximum Loan Term is 360 months. Caps: 5% first change and lifetime/2% per change after first change. Base Margin: 3.00%. Index: 1 yr T-Bill as published in the Wall Street Journal. Estimated Monthly Payment per $1000 – Loan principal and interest. If an escrow account for taxes and insurance is required, total monthly payment will be higher. The stated amount per $1,000 is based on the fixed rate period and the payment will likely increase after that period of time. Payments amounts on the above products do not include amounts for taxes and insurance premiums. Your payments may be greater. *Annual Percentage Rate (APR) is based on a loan of $100,000 with 20% down and a minimum credit score of 720 for all borrowers. Your rate, margin and APR may be higher. All loans are priced individually, your rate may be higher. The APR on ARMs is adjusted periodically after closing, which may result in an increase. Rates are subject to change. Maximum LTV for all products is 97%, and is reserved for the purchase of a single-family primary residence only.

Table data for 10 Year Land Loan Mortgage Program
 Rates effective 12-12-2018
Rates As Low As Annual Percentage Rate (APR) Points Monthly Payment Per $1,000 Fully Indexed Rate Monthly Payment Per $1,000 (with Fully Indexed Rate) Alert Me
6.250% 7.597% 0 $11.23 for first 12 months 7.750% $12.89
10 Year Loan Term. 1/1 Year ARM. Caps: 2% per change/6% lifetime. Base Margin: 5.00%. Index: 1 yr T-Bill as published in the Wall Street Journal. Estimated Monthly Payment per $1000 – Loan principal and interest. If an escrow account for taxes and insurance is required, total monthly payment will be higher. The stated amount per $1,000 is based on the fixed rate period and the payment will likely increase after that period of time. Payments amounts on the above products do not include amounts for taxes and insurance premiums. Your payments may be greater. Annual Percentage Rate (APR) is based on a loan of $100,000 with 20% down and a credit score greater than 720 for all borrowers. Your rate, margin and APR may be higher. All loans are priced individually. The APR on ARMs are adjusted periodically after closing, which may result in an increase. Max LTV for developed land can be up to 80%. All Land Loans require a Perk Test that is less than 3 years old and the land must be a buildable house lot. The appraisal ordered in conjunction with the application will provide us with the confirmation of this. Minimum Loan amount is $10,000 with Maximum Loan Amount not to exceed Fannie Mae Loan Limits for property type and location. This limit is generally $453,100.00. Rates and amount financed are determined by your credit history and are based on excellent credit. Rates are subject to change daily.

Table data for 15 Year Land Loan Mortgage Program
 Rates effective 12-12-2018
Rates As Low As Annual Percentage Rate (APR) Points Monthly Payment Per $1,000 Fully Indexed Rate Monthly Payment Per $1,000 (with Fully Indexed Rate) Alert Me
7.250% 8.248% 0 $9.13 for first 36 months 8.750% $11.24
15 Year Loan Term. 3/3 Year ARM. Caps: 2% per change/6% lifetime. Base Margin: 6.00%. Index: 3 yr T-Bill as published in the Wall Street Journal. Estimated Monthly Payment per $1000 – Loan principal and interest. If an escrow account for taxes and insurance is required, total monthly payment will be higher. The stated amount per $1,000 is based on the fixed rate period and the payment will likely increase after that period of time. Payments amounts on the above products do not include amounts for taxes and insurance premiums. Your payments may be greater. Annual Percentage Rate (APR) is based on a loan of $100,000 with 20% down and a credit score greater than 720 for all borrowers. Your rate, margin and APR may be higher. All loans are priced individually. The APR on ARMs are adjusted periodically after closing, which may result in an increase. Max LTV for developed land can be up to 80%. All Land Loans require a Perk Test that is less than 3 years old and the land must be a buildable house lot. The appraisal ordered in conjunction with the application will provide us with the confirmation of this. Minimum Loan amount is $10,000 with Maximum Loan Amount not to exceed Fannie Mae Loan Limits for property type and location. This limit is generally $453,100.00. Rates and amount financed are determined by your credit history and are based on excellent credit. Rates are subject to change daily.

Table data for Construction Loan Mortgage Program
 Rates effective 12-12-2018
Rates As Low As Annual Percentage Rate (APR) Points Alert Me
6.500% 11.313% 1
12 Month Loan Term. Maximum LTV of 95%. Annual Percentage Rate (APR) is based on a loan of $100,000 with 20% down at a simple rate of 6.500%. Interest only on the amount of credit outstanding will be paid monthly. One payment of the principal balance will be due at the end of the 12 month period. APR also includes fees for periodic inspections and plot plan.

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