Be sure to try our mortgage rate calculators at the bottom of the page.
Mortgage Rates
...as of Sunday, January 17, 2021, 10:09 p.m.
First Time Home Buyers please click here for further information on our Prequalification Program and First Time Home Buyer Program
Fixed Rate Mortgages
1. |
Term |
1-10 years |
|
Interest Rate---3.2500% |
*A.P.R.---3.5840% |
|
Loan To Value |
up to 80% (up to 95% for a First Time Home Buyer) |
|
Origination Fee |
$425.00 |
|
Points Paid to Get Rate |
1.00 Percent |
|
2. |
Term |
11-15 years |
|
Interest Rate---3.5000% |
*A.P.R.---3.7687% |
|
Loan To Value |
up to 80% (up to 95% for a First Time Home Buyer) |
|
Origination Fee |
$425.00 |
|
Points Paid to Get Rate |
1.00 Percent |
|
3. |
Term |
16-20 years |
|
Interest Rate---4.0000% |
*A.P.R.---4.221% |
|
Loan To Value |
up to 80% (up to 95% for a First Time Home Buyer) |
|
Orgination Fee |
$425.00 |
|
Points Paid to Get Rate |
1.00 Percent |
|
*The above fixed rate packages are available at a 0.50% higher rate without points.
**1 Year Adjustable Rate Mortgage
Discounted by 0.25% until the first scheduled adjustment period
1. |
Term |
up to 30 years |
|
Interest Rate---2.2500% |
*A.P.R.---2.5446% |
|
Loan To Value |
up to 80% (up to 95% for a First Time Home Buyer) |
|
Origination Fee |
$425.00 |
|
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
1. |
Term |
up to 30 years |
|
Interest Rate---2.5000% |
*A.P.R.---2.5647% |
|
Loan To Value |
up to 80% (up to 95% for a First Time Home Buyer) |
|
Origination Fee |
$425.00 |
|
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---3.0000% |
A.P.R.---3.0000% |
|
Index |
Prime Rate Less Margin of 0.25% |
|
Term |
Open-ended |
|
Loan To Value |
First Mortgage with ACBLA up to 80%; First Mortgage elsewhere up to 50% |
|
Origination Fee |
$425.00 |
|
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---3.2500% |
A.P.R.---3.2500% |
|
Index |
Prime Rate |
|
Term |
Open-ended |
|
Loan To Value |
First Mortgage with ACBLA up to 80%; First Mortgage elsewhere up to 50% |
|
Origination Fee |
$425.00 |
|
Adjustment Period |
5 Years |
|
Floor |
3.25% |
*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
~ 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.
Calculators
Calculate the monthly payment of a mortgage:
Mortgage Amortization Chart