Mortgage Rates

The Latest Rates for Mortgages and Home Equity Loans.

Mortgage

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Home Equity

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Mortgage Rates

Rates effective as of Rates as of January 17, 2020

Conforming Fixed Rate Mortgages

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

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

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 and loan to value of 100%. Annual Percentage Rates (APR's) assume a 30 year amortized mortgage.

Home Equity Rates

Rates effective as of Rates as of January 17, 2020

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 11/29/2019 was 4.75%. 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 11/29/2019 was 4.75%. 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.