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Mortage & Home Equity Rates

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Mortgages & Home Equity

First Mortgage Rates
Effective Date: Monday, August 19th, 2019
Maximum TermCredit ScoreInterest RateAPR
60 Months (5 years) 700+ 3.75% 3.90%
  675-699 4.00% 4.15%
  674 - 4.25% 4.40%
84 Months (7 years) 700+ 4.00% 4.11%
  675-699 4.25% 4.36%
  674 - 4.50% 4.62%
120 Months (10 years) 700+ 4.25% 4.34%
  675-699 4.50% 4.59%
  674 - 4.75% 4.84%
180 Months (15 years)* 700+ 4.50% 4.57%
  675-699 4.75% 4.82%
  674 - 5.00% 5.07%
Interest rates based on credit score at time of application. Applicants must meet underwriting guidelines to be approved. Unless otherwise noted, APR is calculated based upon refinance loan amount of $150,000 with a 30 year amortization. Maximum loan to value is 80% (75% for manufactured homes).
*No balloon allowed.

Home Equity Lines of Credit
Effective Date: Monday, August 19th, 2019
Maximum TermCredit ScoreInterest RateAPR
Home Equity Line of Credit - 2% Payment. Maximum LTV 80% (75% for manufactured homes)
60 Months (5 years) 700+ 3.90% 3.91%
  675-699 4.15% 4.17%
  674 - 4.40% 4.41%
Interest Only Home Equity Line of Credit. Maximum LTV 70% (60% for manufactured homes)
60 Months (5 years) 700+ 3.90% 3.92%
  675-699 4.15% 4.17%
  674 - 4.40% 4.41%
Home Equity Line of Credit - 1% Payment. Maximum 90%. (manufactured homes do not qualify)
120 Months (10 years) 700+ 4.50% 4.51%
  675-699 4.75% 4.76%
  674 - N/A N/A
Interest Only Home Equity Line of Credit. Maximum LTV 70% (60% for manufactured homes)
120 Months (10 years) 700+ 4.50% 4.51%
  675-699 4.75% 4.77%
  674 - 5.00% 5.01%
Interest rates based on credit score at time of application. Applicants must meet underwriting guidelines to be approved. APR is calculated based upon refinance loan amount of $150,000 with a 15 year amortization.

Other Mortgage Loans
Effective Date: Monday, August 19th, 2019
Maximum TermCredit ScoreInterest RateAPR
Insured Second Mortgage*
60 Months (5 years) 700+ 5.75% 5.99%
  675-699 6.00% 6.24%
  674 - 6.25% 6.49%
Insured Second Mortgage*
84 Months (7 years) 700+ 6.25% 6.44%
  675-699 6.50% 6.69%
  674 - 6.75% 6.94%
Vacant Land**
36 Months (3 years) 700+ 4.00% 4.11%
  675-699 4.25% 4.36%
  674 - 4.50% 4.61%
Adjacent Vacant Land***
$10,000 - $19,999
60 Months (5 years) 700+ 4.75% 6.90%
  675-699 5.00% 7.16%
  674 - 5.25% 7.41%
Adjacent Vacant Land
$20,000+
120 Months (10 years) 700+ 4.75% 4.84%
  675-699 5.00% 5.10%
  674 - 5.25% 5.35%
New Construction
12 Months 700+ 4.00% 4.40%
  675-699 4.25% 4.65%
  674 - 4.50% 4.90%
*Maximum LTV 90%. Manufactured homes do not qualify for this product.  Maximum amortization 360 months. APR is calculated based upon loan amount of $50,000 with a 15 year amortization.
**Maximum LTV 80%.  Maximum amortization 360 months.
***No Balloon options.
† Up to 30 year Balloon option available.
‡ Maximum LTV 80-90%. APR is calculated based upon
loan amount of $150,000 and based on a single payment that matures in 12 months.
Interest rates based on credit score at
time of application. Applicants must meet underwriting guidelines to be approved. Unless otherwise noted, APR is calculated based upon refinanced loan amount of $150,000 with a 30 year amortization.

Home Equity Loans - First or Second Lien
Effective Date: Monday, August 19th, 2019
Maximum TermCredit ScoreInterest RateAPR
Home Equity Loan Closed End
60 Months (5 years) 700+ 3.90% 3.91%
  675-699 4.15% 4.16%
  674 - 4.40% 4.41%
84 Months (7 years) 700+ 4.25% 4.26%
  675-699 4.50% 4.60%
  674 - 4.75% 4.76%
120 Months (10 years) 700+ 4.50% 4.51%
  675-699 4.75% 4.76%
    5.00% 5.01%
Maximum LTV 80% (75% for manufactured). Maximum amortization 180 months.