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Mortgage Rates

Mortgage Rates

Product DescriptionInterest RateAnnual Percentage RatePointsMonthly PaymentsMonthly Payments per $1,000
30 Year Fixed3.500%3.568%0360$4.49
30 Year Fixed3.250%3.479%2360$4.35
15 Year Fixed3.000%3.118%0180$6.91
15 Year Fixed2.750%3.158%2180$6.79

Payments do not include Real Estate Taxes & Insurance. The actual payment obligation may be greater.

All Annual Percentage Rates (APRs) listed above assume a $100,000 mortgage, 20% down payment for the stated term and include the points listed. Rates vary based on credit, loan to value, property type and appraisal review. Rates are not guaranteed until lock in and subject to change without notice. Private Mortgage Insurance (PMI) required if down payment is less than 20%. Homeowner's insurance and flood insurance (if applicable) are required. Maximum loan amount is $484,350 for the first lien position on a single family owner-occupied residence. Call for rates available for 2-4 family owner occupied residences.


Home Equity Loans

Home Equity Loans

Product DescriptionInterest RateAnnual Percentage RatePointsMonthly PaymentsMonthly payment per $1,000
15 Year HE Loan*4.500%4.500%0180$7.65
10 Year HE Loan*4.000%4.000%0120$10.12
5 Year HE Loan*3.500%3.500%060$18.19
HELOC**5.250%5.250%0240
HELOC with Intro**

Intro Rate: 1.99%
Current Rate: 5.250%

1.99%0240

*Payments do not include Real Estate Taxes & Insurance.  The actual payment may be greater.  Homeowner's insurance and flood insurance(if applicable) are required.

**HELOC-The Annual Percentage Rate (APR) is equal to the Prime Rate as published in the Wall Street Journal on the last business day of the previous month plus a margin of 0.00%. HELOC with Intro APR of 1.99% is fixed for 12 months.  Thereafter, the APR becomes a monthly variable rate equal to Prime Rate as published in the Wall Street Journal on the last business day of the previous month plus a margin of 0.00%.  The Prime Rate was 5.25% as of 8/1/2019.  For all HELOC products, the APR will never exceed 18% nor drop below 4.00% after the first anniversary of the agreement date. 119 months draw/ 121 months repayment, minimum line is $10,000, maximum line is $250,000.  Closing costs may range from $75.00 to $650.00 and are lender paid.  However, if you should pay off and terminate the line prior to the third anniversary of the agreement date, you will reimburse the lender for the closing costs that were paid by the bank on your behalf.  If you request an independent appraisal, you will be responsible for the cost which is estimated between $350.00 and $550.00.  This offer is subject to change without notice and is available for new lines and owner-occupied 1-4 family properties only.  All loan applications will be subject to credit acceptance and property approval.  Homeowner's insurance and flood insurance (if applicable) required.  Consult your tax advisor regarding interest deductibility. 


Adjustable Rate Mortgages (ARM)

Adjustable Rate Mortgages (ARM)

Product DescriptionInterest Rate

FULLY INDEXED INTEREST RATE

ANNUAL PERCENTAGE RATE

POINTS

MONTHLY PAYMENTSMonthly Payments per $1,000Monthly Payments per $1,000 (FULLY INDEXED)
10/1 ARM4.000%4.375%4.213%0360$4.77$4.99
7/1 ARM3.750%4.375%4.149%0360$4.63$4.99
5/1 ARM3.500%4.375%4.130%0360$4.49$4.99

Payments do not include Real Estate Taxes & Insurance. The actual payment obligation may be greater.

All Annual Percentage Rates (APRs) listed above assume a $100,000 mortgage, 20% down payment for the stated term and include the points listed. Rates vary based on credit, loan to value, property type and appraisal review. Rates are not guaranteed until lock in and subject to change without notice.  Adjustable Rate Mortgage (ARM) rates are based on a 1 year LIBOR index with a margin of 2.25%.  All ARM products are variable and may change after consummation of the loan. Any increase in APR will result in a higher payment. Private Mortgage Insurance (PMI) required if down payment is less than 20%. Homeowner's insurance and flood insurance (if applicable) are required.  Maximum loan amount is $484,350 for the first lien position on a single family owner-occupied residence. Call for rates available for 2-4 family owner occupied residences.

The current 1 Year LIBOR Index: 2.180


Construction

Construction

Product DescriptionInterest Rate

FULLY INDEXED RATE

ANNUAL PERCENTAGE RATEPOINTSMONTHLY PAYMENTSMonthly Payments per $1,000Monthly Payments per $1,000 (FULLY INDEXED)
10/1 4.500%4.375%4.927%0360$5.07$4.99
7/1 4.250%4.375%4.726%0360$4.92$4.99
5/14.000%4.375%4.649%0360$4.77$4.99

Payments do not include Real Estate Taxes & Insurance. The actual payment obligation may be greater.

All Annual Percentage Rates (APRs) listed above assume a $100,000 mortgage, 20% down payment for the stated term and include the points listed plus a 12 month interest only construction period. Rates vary based on credit, loan to value, property type and appraisal review. Rates are not guaranteed until lock in and subject to change without notice.  Adjustable Rate Mortgage (ARM) rates are based on a 1 year LIBOR index with a margin of 2.25%.  All ARM products are variable and may change after consummation of the loan. Any increase in APR will result in a higher payment. Private Mortgage Insurance (PMI) required if down payment is less than 20%. Homeowner's insurance and flood insurance (if applicable) are required.  Maximum loan amount is $484,350 for the first lien position on single family owner-occupied residences.

The current 1 Year LIBOR Index: 2.180


Investment

Investment

Product DescriptionInterest Rate

FULLY INDEXED INTEREST RATE

ANNUAL PERCENTAGE RATEPOINTSMONTHLY PAYMENTSMonthly Payments per $1,000

Monthly Payments per $1,000 (FULLY INDEXED)

10/1 ARM5.000%4.375%4.851%

0

360

$5.37$4.99
7/1 ARM4.750%4.375%4.634%

0

360

$5.22$4.99
5/1 ARM4.500%4.375%4.496%

0

360

$5.07$4.99

Payments do not include Real Estate Taxes & Insurance. The actual payment obligation may be greater.

All Annual Percentage Rates (APRs) listed above assume a $100,000 mortgage, 20% down payment for the stated term and include the points listed. Rates vary based on credit, loan to value, property type and appraisal review. Rates are not guaranteed until lock in and subject to change without notice.  Adjustable Rate Mortgage (ARM) rates are based on a 1 year LIBOR index with a margin of 2.25%.  All ARM products are variable and may change after consummation of the loan. Any increase in APR will result in a higher payment. Private Mortgage Insurance (PMI) required if down payment is less than 20%. Homeowner's insurance and flood insurance (if applicable) are required.  Maximum loan amount is $484,350 for the first lien position on single family owner-occupied residenceS.

The current 1 Year LIBOR Index: 2.180

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