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Mortgages & Home Equity

Conventional & Government Mortgages
Effective Date: Monday, September 26th, 2022
Conventional & Government Mortgages
Click Here to View Today's Conventional and Rural Development Rates

Jumbo/Portfolio Rates
Effective Date: Monday, September 26th, 2022
Maximum TermCredit ScoreInterest RateAPR
60 Months (5 years) Balloon 750+ 5.500% 5.585%
  700-749 5.750% 5.836%
  675-699 6.500% 6.590%
  674- 7.000% 7.093%
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). Maximum Amortization 360 Months.

Adjustable-Rate Mortgage (ARMs) Rates
Effective Date: Monday, September 26th, 2022
TermCredit ScoreInterest RateAPR
5/1 - 2/2/6 750+ 5.250% 5.333%
  700-749 5.500% 5.585%
  675-699 6.250% 6.339%
  674- 6.750% 6.842%
Floor of 2.50%. Ceiling is 6% Above Start Note. Jumbo Loans are Eligible for this Product. 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). Maximum Amortization 360 Months.

Home Equity Lines of Credit
Effective Date: Monday, September 26th, 2022
TermCredit ScoreInterest RateAPR
Home Equity Line of Credit - 2% Payment.
5 Years 750+ 6.000% 6.029%
  700-749 6.250% 6.279%
  675-699 6.750% 6.780%
  674- 7.000% 7.030%
Maximum LTV 80% (75% for Manufactured, 50% for Investment Properties)
Home Equity Line of Credit - 1% Payment.
10 Years 750+ 6.500% 6.530%
  700-749 6.750% 6.780%
  675-699 7.250% 7.281%
  674- 7.500% 7.531%
Maximum LTV 80% (75% for Manufactured, 50% for Investment Properties)
Interest Only Home Equity Line of Credit.
10 Years 750+ 7.000% 7.030%
  700-749 7.250% 7.281%
  675-699 7.750% 7.781%
  674- 8.000% 8.031%
Maximum LTV 80% (70% for Manufactured)
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 $100,000 with a 15 Year Amortization. * Maximum Loan Amount $50,000 on Investment Properties. * 750+ Credit Score and Home Must be Owner Occupied. Balloon Product.

Closed End Home Equity Loans
Effective Date: Monday, September 26th, 2022
TermCredit ScoreFixed Interest RateAPR
Home Equity Loan Closed End
5 Years 750+ 6.000% 6.029%
  700-749 6.250% 6.279%
  675-699 6.750% 6.780%
  674- 7.000% 7.030%
Maximum LTV 80% (75% for Manufactured, 50% for Investment Properties)
Home Equity Loan Closed End
10 Years 750+ 6.500% 6.530%
  700-749 6.750% 6.780%
  675-699 7.250% 7.281%
  674- 7.500% 7.531%
Maximum LTV 80% (75% for Manufactured, 50% for Investment Properties)
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 $100,000 with a 15 Year Amortization. * Maximum Loan Amount $50,000 on Investment Properties. * 750+ Credit Score and Home Must be Owner Occupied. Balloon Options Available.

Vacant Land & Construction Loans
Effective Date: Monday, September 26th, 2022
Maximum TermCredit ScoreInterest RateAPR
Vacant Land
60 Months (5 years) 750+ 5.500% 5.605%
  700-749 6.000% 6.107%
  675-699 6.500% 6.609%
  674- 7.000% 7.110%
Maximum LTV 80%. Maximum amortization 360 months. APR is calculated based upon loan amount of $150,000 with a 15 year amortization.
New Construction
18 Months (1 1/2 Years) 750+ 5.500% 5.617%
  700-749 6.000% 6.121%
  675-699 6.500% 6.625%
  674- 7.000% 7.129%
Maximum LTV 80%-90%. APR is calculated based upon loan amount of $150,000 with a 30 year amortization.
Interest Rates Based on Credit Score at Time of Application. Applications Must Meet Underwriting Guidelines to be Approved. Balloon Options Available.