Mortgage & Home Equity Rates


Fixed Rate Mortgages

Rates and payments are based on a $100,000 loan amount with a 20% down payment. Rates subject to change without notice. Payments do not include taxes and insurance premiums, if applicable.
 

30 Year Term
Rate Points Annual Percentage Rate (APR) Monthly Principal & Interest Payment
6.250% 2 Points 6.620% $615.72
6.500% 1 Point 6.774% $632.07
6.750% 0 Points 6.927% $648.60

 

25 Year Term
Rate Points Annual Percentage Rate (APR) Monthly Principal & Interest Payment
5.490% 2 Points 5.891% $613.49
5.740% 1 Point 6.037% $628.50
5.990% 0 Points 6.181% $643.69

 

15 Year Term
Rate Points Annual Percentage Rate (APR) Monthly Principal & Interest Payment
5.750% 2 Points 6.354% $830.41
6.000% 1 Point 6.445% $843.86
6.250% 0 Points 6.535% $857.42


Adjustable Rate Mortgages*

Rates and payments are based on a $100,000 loan amount with a 20% down payment.

30 Year Term
Rate Points Annual Percentage Rate (APR) Monthly Principal & Interest Payment
5.875% 1 Point 6.773% $591.54
6.125% 0 Points 6.841% $607.61

*10 year fixed, adjusts annually thereafter based on the '1 Year Treasury at Constant Maturity' index.
 

Jumbo Loans

Rates and payments* are based on a $730,000 loan amount with a 20% down payment. 

30 Year Term
Rate Points Annual Percentage Rate (APR) Monthly Principal & Interest Payment
6.125% 2 Points 6.340% $4,435.56
6.375% 1 Point 6.495% $4,554.25
6.625% 0 Points 6.649% $4,674.27

 

15 Year Term
Rate Points Annual Percentage Rate (APR) Monthly Principal & Interest Payment
5.625% 2 Points 5.978% $6,013.24
5.875% 1 Point 6.071% $6,110.97
6.125% 0 Points 6.164% $6,209.56

Payments do not include taxes and insurance premiums, if applicable, the actual payment obligation will be greater. 
 

Home Equity Lines & Loans

Rates are subject to change without notice.

Home Equity Line of Credit
Amount Term Annual Percentage Rate (APR) Monthly Payment
(per $1,000)

$25,000 minimum;
$300,000 Maximum

70% of assessed value;
80% of appraised value

25-Years

10-Year Draw Period
7.25%** Interest Only

 

Home Equity Loan
Amount Term Annual Percentage Rate (APR) Monthly Payment
(per $1,000)

$25,000 minimum;
$300,000 Maximum

70% of assessed value;
80% of appraised value

180 months 8.375% $9.77

 

*APR for equity lines is subject to increase after the loan closes with a maximum rate of 18%.

** 12-month introductory rate. Total loan amount must include a minimum of $25,000 new money. Rate adjusts on a monthly basis to Prime + 0% as listed in the Wall Street Journal. Wall Street Journal Prime Rate is 8.25% as of 5/4/2023. Equity lines closed within the first 24-months are subject to an early termination fee of $500.


For more information about rates and lending programs, please contact one of our Mortgage Loan Officers or apply now for a mortgage or home equity loan using our online application.