Term Points Rate APR
30 Year Fixed 0 6.750% 6.758%
30 Year Fixed 3 6.375% 6.676%
20 Year Fixed 0 6.500% 6.510%
15 Year Fixed 0 6.375% 6.387%
15 Year Fixed 3 6.000% 6.492%
10 Year Fixed 0 6.125% 6.142%
30 Year, 1 Year ARM P l e a s e c a l l
30 Year Jumbo 0 6.875% 6.878%
30 Year Jumbo 3 6.500% 6.789%
15 Year Jumbo 0 6.500% 6.504%
15 Year Jumbo 3 6.000% 6.483%
A 5% minimum down payment is required. Private Mortgage Insurance (PMI) is required for loans with a down payment less than 20%. The annual percentage rate (APR) shown assumes a 20% down payment.
A 30 Year, fixed rate, 0 point mortgage for $100,000 with a 20% down payment would have a monthly payment of $648.60 with an annual percentage rate (APR) of 6.758%. Property insurance is required for all mortgage loans.
Term Rate APR
5 Year Fixed 7.000% 7.029%
10 Year Fixed 7.125% 7.141%
15 Year Fixed 7.250% 7.261%
20 Year Fixed 7.500% 7.509%
25 Year Fixed 7.750% 7.758%
The maximum loan to value for a Home Equity Loan is 80%. A 5 year fixed rate Home Equity Loan for $20,000 would have a monthly payment of $396.02, with an annual percentage rate (APR) of 7.029%. Property insurance is required for all Home Equity Loans.
Term Rate APR
15 Year 7.750% 7.750%
Annual Percentage Rate (APR) 7.750% applies for a 12 month introductory period. The APR after the 12-month introductory period will be a variable rate equal to the prime rate, currently 8.50%, as published in the Wall Street Journal on the 3rd Wednesday of the preceding month with a floor of 7.75%. The APR can change monthly. The minimum APR is 7.750%, the maximum APR is 18.00%. The non-introductory rate is 8.50% as of 4/8/2023. The minimum loan amount is $5,000.00. The maximum loan amount is $500,000.00 or will vary based on the combined maximum loan to value ratio. The maximum combined loan to value amount is 80%. After the first 12 months, the line has a $50.00 annual fee if the loan account has a zero balance for the 12-month period.