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Rates

The Latest Rates for Mortgages and Home Equity Loans.

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Mortgage Rates

Rates effective as of Rates as of July 22, 2019

Conforming Fixed Rate Mortgages

Mortgage Rates
Conforming Fixed Rate MortgagesPointsInterest RateAnnual Percentage Rate1Initial P&I Payment Per $1000 Borrowed
15 year Fixed Rate03.250%3.310%$7.03
30 year Fixed Rate03.750%3.784%$4.63

Payments do not include taxes and insurance. Property Insurance is required for all loans. Your payment may be greater if the loan is secured by a first lien.

Jumbo Fixed Rates

Jumbo Fixed Rates
Jumbo Fixed Rate MortgagesPointsInterest RateAnnual Percentage Rate2Initial P&I Payment Per $1000 Borrowed
15 year Fixed Rate03.250%3.267%$7.03
30 year Fixed Rate03.750%3.760%$4.63

Payments do not include taxes and insurance. Property Insurance is required for all loans. Your payment may be greater if the loan is secured by a first lien.

Government Fixed Rate Mortgages

Government Fixed Rates
Government Fixed Rate MortgagesPointsInterest RateAnnual Percentage Rate3Initial P&I Payment Per $1000 Borrowed
VA 30 Year Fixed Rate03.875%4.201%$4.70

Payments do not include taxes and insurance. Property Insurance is required for all loans. Your payment may be greater if the loan is secured by a first lien.

All Loans: All rates are base rates only and subject to loan level price adjustments which could affect the interest rate and APR. Mortgages exceeding 80% loan to value, to a maximum of 95% loan to value, are available with Private Mortgage Insurance (except government fixed rate mortgages). Annual Percentage Rates (APR's) are adjusted if PMI is required. All loans are subject to credit approval, other terms and conditions may apply. All rates and programs subject to change. Other mortgage programs such as Adjustable Rate Mortgages are available, contact us for details.

  1. Conforming Fixed Rate: These Rates and Annual Percentage Rates are based on a $200,000 loan for first lien position on single family purchase or rate and term refinance of owner occupied residences at or below 60% loan to value.
  2. Jumbo Fixed Rate: These Rates and Annual Percentage Rates are based on a $700,000 loan for first lien position on single family purchase or rate and term refinance of owner occupied residences at or below 75% loan to value. Loan amount limited to $2,500,000, minimum loan amount $484,350, and 700 minimum credit score.
  3. These Rates and Annual Percentage Rates are based on a $200,000 loan for an eligible VA first lien position on single family purchase or rate and term refinance of owner occupied residences with middle credit score of 720 or greater. Annual Percentage Rates (APR's) assume a 30 year amortized mortgage.

Home Equity Rates

Rates effective as of Rates as of July 22, 2019

Home Equity Line of Credit
Home Equity Line Of CreditAnnual Percentage Rate1Fees
Prime Rate Loan Amounts from $25,000 up to $500,0005.50%*No Points, No Application Fee. Closing costs range from approximately $0-$1,683
Prime Rate + .50% Loan Amounts from $500,001 up to $1,000,0006.00%**No Points, No Application Fee. Closing costs range from approximately $0-$1,938

Loan Amounts from $25,000 up to $500,000

*The interest rate will be the prime lending rate published in the Wall Street Journal on the last business day of the month, with a floor of 4.00%. The prime rate as of 6/28/19 was 5.50%. The Home Equity Line of Credit is a variable rate loan. Rates are subject to change without notice but will never exceed 18% APR. An annual fee of $50 is assessed each year in January. $500,000 maximum loan amount.

Offer available for 1-4 family owner-occupied primary residence properties.  Combined loan to value ratio not to exceed 80%. Subject to clear title. Property insurance required. Fee for loans terminated within the first 3 years. Interest may be tax deductible (please consult your tax advisor.)

Loan Amounts from $500,001 up to $1,000,000

**The interest rate will be the prime lending rate published in the Wall Street Journal on the last business day of the month, plus .50% with a floor of 4.50%. The prime rate as of 6/28/19 was 5.50%. The Home Equity Line of Credit is a variable rate loan. Rates are subject to change without notice but will never exceed 18% APR. An annual fee of $50 is assessed each year in January. $1,000,000 maximum loan amount.

Offer available for 1-4 family owner-occupied primary residence properties. Combined loan to value ratio not to exceed 75%. Subject to clear title. Property insurance required. Fee for loans terminated within the first 3 years. Interest may be tax deductible (please consult your tax advisor.)

 

1APR = Annual Percentage Rate. 

 

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