| Conventional & Government Mortgages |
| Effective Date: Tuesday, February 7th, 2023 |
| Conventional & Government Mortgages |
| Click Here to View Today's Conventional and Rural Development Rates |
| Jumbo/Portfolio Rates |
| Effective Date: Tuesday, February 7th, 2023 |
| Maximum Term | Credit Score | Interest Rate | APR |
| 60 Months (5 years) Balloon |
750+ |
6.750% |
6.868% |
| |
700-749 |
7.000% |
7.120% |
| |
675-699 |
7.250% |
7.372% |
| |
674- |
7.500% |
7.624% |
| 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: Tuesday, February 7th, 2023 |
| Term | Credit Score | Interest Rate | APR |
| 5/1 - 2/2/6 |
750+ |
6.750% |
6.868% |
| |
700-749 |
7.000% |
7.120% |
| |
675-699 |
7.250% |
7.372% |
| |
674- |
7.500% |
7.624% |
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: Tuesday, February 7th, 2023 |
| Term | Credit Score | Interest Rate | APR |
| Home Equity Line of Credit - 2% Payment. |
| 5 Years |
750+ |
7.000% |
7.030% |
| |
700-749 |
7.250% |
7.280% |
| |
675-699 |
7.500% |
7.530% |
| |
674- |
7.750% |
7.781% |
| Maximum LTV 80% (75% for Manufactured, 50% for Investment Properties) |
| Home Equity Line of Credit - 1% Payment. |
| 10 Years |
750+ |
7.250% |
7.280% |
| |
700-749 |
7.500% |
7.530% |
| |
675-699 |
7.750% |
7.781% |
| |
674- |
8.000% |
8.031% |
| Maximum LTV 80% (75% for Manufactured, 50% for Investment Properties) |
| Interest Only Home Equity Line of Credit. |
| 10 Years |
750+ |
7.500% |
7.530% |
| |
700-749 |
7.750% |
7.781% |
| |
675-699 |
8.000% |
8.031% |
| |
674- |
8.250% |
8.281% |
| 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: Tuesday, February 7th, 2023 |
| Term | Credit Score | Fixed Interest Rate | APR |
| Home Equity Loan Closed End |
| 5 Years |
750+ |
7.000% |
7.030% |
| |
700-749 |
7.250% |
7.280% |
| |
675-699 |
7.500% |
7.530% |
| |
674- |
7.750% |
7.781% |
| Maximum LTV 80% (75% for Manufactured, 50% for Investment Properties) |
| Home Equity Loan Closed End |
| 10 Years |
750+ |
7.500% |
7.530% |
| |
700-749 |
7.750% |
7.781% |
| |
675-699 |
8.000% |
8.031% |
| |
674- |
8.250% |
8.281% |
| 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: Tuesday, February 7th, 2023 |
| Maximum Term | Credit Score | Interest Rate | APR |
| Vacant Land & Adjacent Vacant Land |
| 60 Months (5 years) |
750+ |
6.500% |
6.608% |
| |
700-749 |
6.750% |
6.859% |
| |
675-699 |
7.000% |
7.110% |
| |
674- |
7.250% |
7.368% |
| Maximum LTV 80% for Vacant Land and 90% for Adjacent Vacant Land. 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+ |
6.500% |
6.624% |
| |
700-749 |
6.750% |
6.876% |
| |
675-699 |
7.000% |
7.128% |
| |
674- |
7.250% |
7.380% |
| 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. |
