Be sure to try our mortgage rate calculators at the bottom of the page.

Mortgage Rates

...as of Friday, December 14, 2018, 8:23 a.m.

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First Time Home Buyers please click here for further information on our Prequalification Program and First Time Home Buyer Program

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Fixed Rate Mortgages

1.	Term	1-10 years
	Interest Rate---4.5000%	*A.P.R.---4.8976%
	Loan To Value	up to 80% (up to 95% for a First Time Home Buyer)
	Origination Fee	$300.00
	Points Paid to Get Rate	1.25 Percent
2.	Term	11-15 years
	Interest Rate---4.7500%	*A.P.R.---5.0306%
	Loan To Value	up to 80% (up to 95% for a First Time Home Buyer)
	Origination Fee	$300.00
	Points Paid to Get Rate	1.25 Percent
3.	Term	16-20 years
	Interest Rate---5.7500%	*A.P.R.---5.9797%
	Loan To Value	up to 80% (up to 95% for a First Time Home Buyer)
	Orgination Fee	$300.00
	Points Paid to Get Rate	1.25 Percent

*The above fixed rate packages are available at a 0.50% higher rate without points.

**1 Year Adjustable Rate Mortgage

Discounted by 0.75% until the first scheduled adjustment period

1.	Term	up to 30 years
	Interest Rate---4.5000%	*A.P.R.---5.2338%
	Loan To Value	up to 80% (up to 95% for a First Time Home Buyer)
	Origination Fee	$300.00
	Index	One Year Treasury Securities Average Weekly Yield plus Margin of 2.50% rounded to nearest 1/4%
	Ceiling	2% per change - 6% total
	Floor	2.50%
	Adjustment Period	One year

**3 Year Adjustable Rate Mortgage

Discounted by 0.50% until the first scheduled adjustment period

1.	Term	up to 30 years
	Interest Rate---4.7500%	*A.P.R.---5.1801%
	Loan To Value	up to 80% (up to 95% for a First Time Home Buyer)
	Origination Fee	$300.00
	Index	One Year Treasury Securities Average Weekly Yield plus Margin of 2.50% rounded to nearest 1/4%
	Ceiling	2% per change - 6% total
	Floor	2.50%
	Adjustment Period	Three years

Monthly Flex Home Equity Line of Credit

1.	Interest Rate---4.7500%	A.P.R.---4.7500%
	Index	Prime Rate Less Margin of 0.50%
	Term	Open-ended
	Loan To Value	First Mortgage with ACBLA up to 80%; First Mortgage elsewhere up to 50%
	Origination Fee	$300.00
	Adjustment Period	Monthly
	Floor	3.00%

Five Year Secure Home Equity Line of Credit

To learn more on this product click here.

1.	Interest Rate---5.2500%	A.P.R.---5.2500%
	Index	Prime Rate
	Term	Open-ended
	Loan To Value	First Mortgage with ACBLA up to 80%; First Mortgage elsewhere up to 50%
	Origination Fee	$300.00
	Adjustment Period	5 Years
	Floor	3.50%

*The Annual Percentage Rates (APR) displayed assume the maximum loan term, a loan amount of $50,000, 20% down payment, 30 days prepaid interest and a credit score of 660 or better. Applicants with lower credit scores are subject to different rate packages.

**Refinancing of Adjustable Rate Mortgages Might Be Subject To A 1% Origination Fee

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~ Non-Owner Occupied Residential Mortgages Will Be Available In All The Above Plans At A 1% Higher Rate.

~ All Rates And Terms Are Subject To Change Without Notice, So Periodically Check This Rate Sheet Or Call For Latest Quotes.

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Calculators

Calculate the monthly payment of a mortgage:

Principal
Annual Rate	(ex. 8.25%)
Months

Mortgage Amortization Chart

Principal
Annual Rate	(ex. 8.25%)
Months