Home Loan Rates

Rates effective October 16, 2024

Term Rate APR*
10 Year 5.75% 6.09%
15 Year 5.75% 5.99%
20 Year 6.25% 6.45%
30 Year 6.25% 6.40%
  • Minimum Loan Amount is $20,000
  • Maximum Refinance Loan to Value is 90%
  • Maximum Purchase Money 95% LTV

*APR = Annual Percentage Rate. APR is calculated based on a loan amount of $100,000. Loan rates quoted are based on A+ credit rating. Actual rates will vary and are based on individual creditworthiness. Please call to verify listed rates and fees.

ADJUSTABLE-RATE MORTGAGE (ARM)

Rates effective October 16, 2024

Loan Type Term Rate APR* Annual Cap Lifetime Cap
5/1 ARM 30 Year 5.75% 6.82% 2.00% 5.00%
  • Minimum Loan Amount is $20,000
  • Maximum Refinance Loan to Value is 90%
  • Maximum Purchase Money 95% LTV

*Annual Percentage Rate. An Adjustable-Rate Mortgage (ARM) begins with a low fixed rate for the first 5 years (60 months), and then adjusts according to an index, plus a margin, every year thereafter, starting at the end of the 5th year (month 61). At each adjustment period, your new rate will be based on the current index plus a margin, and will not exceed the 2 percent adjustment cap. Your rate will never increase more than 5% from the initial rate. APR advertised is based off the 30-day average SOFR index, as published by the Federal Reserve Bank of New York. Loan rates quoted are based on A+ credit rating. 5/1 ARM Payment Example: For a 30-year loan of $150,000, you would make 60 payments of $828.77 at 5.58% APR, followed by 300 payments based on the then current rate. Actual rates vary, are subject to change and are based on individual creditworthiness. Please call to verify listed rates and fees.

Home Equity Rates

Rates effective October 16, 2024

Term Rate APR*
5 Year 5.50% 5.50%
7 Year 5.50% 5.50%
10 Year 5.50% 5.50%
15 Year 5.75% 5.75%
20 Year 6.00% 6.00%
30 Year 6.25% 6.25%
  • Minimum Loan Amount is $20,000 New Money
  • Maximum Loan to Value 80% with Cash Out

*APR = Annual Percentage Rate. APR is calculated based on a loan amount of $100,000. Loan rates quoted are based on A+ credit rating. Actual rates will vary and are based on individual creditworthiness. Home equity rates valid on first lien home equity loans only. Please call to verify listed rates and fees.

Second Home Loan Rates

Rates effective October 16, 2024

Term Rate APR*
10 Year 6.00% 6.34%
15 Year 6.00% 6.24%
20 Year 6.50% 6.70%
  • Minimum Loan Amount is $20,000
  • Maximum Loan to Value is 80%

*APR = Annual Percentage Rate. APR is calculated based on a loan amount of $100,000. Loan rates quoted are based on A+ credit rating. Actual rates will vary and are based on individual creditworthiness. Please call to verify listed rates and fees.

Land Loan Rates

Rates effective October 16, 2024

Term Rate APR*
5 Year 6.00% 6.64%
10 Year 6.25% 6.60%
15 Year 6.25% 6.50%
  • Minimum Loan Amount is $15,000
  • Required Down Payment is 20%

*APR = Annual Percentage Rate. APR is calculated based on a loan amount of $100,000. Loan rates quoted are based on A+ credit rating. Actual rates will vary and are based on individual creditworthiness. Please call to verify listed rates and fees.

Construction Loan Rates

Rates effective October 16, 2024

Term Rate APR*
12 Months 6.50% 9.30%
  • Interest Payments Only During Construction
  • Maximum Loan to Value is 80%

*APR = Annual Percentage Rate. APR is calculated based on a loan amount of $100,000. Loan rates quoted are based on A+ credit rating. Actual rates will vary and are based on individual creditworthiness. Please call to verify listed rates and fees.