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Mortgages & Home Equity

Conventional & Government Mortgages
Effective Date: Thursday, January 27th, 2022
Conventional & Government Mortgages
Click Here to View Today's Conventional and Rural Development Rates

Jumbo/Portfolio Rates
Effective Date: Thursday, January 27th, 2022
Maximum TermCredit ScoreInterest RateAPR
60 Months (5 years) Balloon 700+ 2.990% 3.0176%
  675-699 3.750% 3.7791%
  674 - 4.500% 4.5308%
84 Months (7 years) Balloon 700+ 3.125% 3.1529%
  675-699 3.875% 3.9044%
  674 - 4.625% 4.6560%
120 Months (10 years) Balloon 700+ 3.250% 3.2781%
  675-699 4.000% 4.0297%
  674 - 4.750% 4.7813%
180 Months (15 years) Balloon 700+ 3.375% 3.4034%
  675-699 4.125% 4.1549%
  674- 4.875% 4.9066%
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).

Adjustable-Rate Mortgage (ARMs) Rates
Effective Date: Thursday, January 27th, 2022
Maximum TermCredit ScoreInterest RateAPR
5 Years 5/1/1 700+ 2.990% 3.0176%
  675-699 3.750% 3.7791%
  674 - 4.500% 4.5308%
7 Years 7/1/1 700+ 3.125% 3.1529%
  675-699 3.875% 3.9044%
  674 - 4.625% 4.6560%
10 Years 10/1/1 700+ 3.250% 3.2781%
  675-699 4.000% 4.0297%
  674 - 4.750% 4.7813%
Floor of 2.50%. Ceiling of 6.00%. 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).

Home Equity Lines of Credit
Effective Date: Thursday, January 27th, 2022
Maximum TermCredit ScoreInterest RateAPR
Home Equity Line of Credit - 2% Payment. Maximum LTV 80% (75% for manufactured homes) or Maximum LTV 85% with 750+ Credit Score, Maximum Loan Amount of $50,000 and Owner Occupied
60 Months (5 years) 700+ 2.19% 2.32%
  675-699 4.15% 4.29%
  674 - 4.40% 4.54%
Home Equity Line of Credit - 1% Payment. Maximum 80%. or Maximum LTV 85% with 750+ Credit Score, Maximum Loan Amount of $50,000 and Owner Occupied (Manufactured Homes do not qualify)
120 Months (10 years) 700+ 3.99% 4.13%
  675-699 4.75% 4.78%
  674 - N/A N/A
Interest Only Home Equity Line of Credit. Maximum LTV 70% (60% for Manufactured)
60 Months (5 years) 700+ 2.19% 2.32%
  675-699 4.15% 4.29%
  674 - 4.40% 4.54%
Interest Only Home Equity Line of Credit. Maximum LTV 70% (60% for Manufactured)
120 Months (10 years) 700+ 3.99% 4.13%
  675-699 4.75% 4.89%
  674 - 5.00% 5.14%
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.

Home Equity Loans - Closed End
Effective Date: Thursday, January 27th, 2022
Maximum TermCredit ScoreInterest RateAPR
Home Equity Loan Closed End
60 Months (5 years) 700+ 2.19% 2.32%
  675-699 4.15% 4.29%
  674 - 4.40% 4.54%
84 Months (7 years) 700+ 3.25% 3.38%
  675-699 4.50% 4.64%
  674 - 4.75% 4.89%
120 Months (10 years) 700+ 3.99% 4.13%
  675-699 4.75% 4.89%
    5.00% 5.14%
Maximum LTV 80% (75% for manufactured). Maximum amortization 180 months.

Vacant Land & Construction Loans
Effective Date: Thursday, January 27th, 2022
Maximum TermCredit ScoreInterest RateAPR
Vacant Land
60 Months (5 years) 700+ 4.00% 4.29%
  675-699 4.25% 4.55%
  674 - 4.50% 4.80%
Maximum LTV 80%. Maximum amortization 360 months. Manufactured homes do not qualify for this product. APR is calculated based upon loan amount of $50,000 with a 15 year amortization.
Adjacent Vacant Land
$10,000 - $19,999
60 Months (5 years) 700+ 4.75% 6.76%
  675-699 5.00% 7.01%
  674 - 5.25% 7.27%
No Balloon options. Manufactured homes do not qualify for this product. APR is calculated based upon loan amount of $19,999 with a 5 year amortization.
Adjacent Vacant Land
$20,000+
120 Months (10 years) 700+ 4.75% 5.05%
  675-699 5.00% 5.31%
  674 - 5.25% 5.56%
Up to 30 year Balloon option available. APR is calculated based upon loan amount of $50,000 with a 15 year amortization.
New Construction
12 Months 700+ 4.00% 5.21%
  675-699 4.25% 5.46%
  674 - 4.50% 5.71%
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.