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Mortgage Rates

Here is a sample of our popular mortgage products. Call us about our competitive construction loan and "First Time Homebuyers" programs.

APRs are effective as of 07/30/2014 and are subject to change at any time.




 

*APR=annual percentage rate. The APR is based on borrowing $100,000. Monthly payment shown above does not include amounts for real estate taxes and insurance, thus resulting in the actual payment obligation being greater.  No fees will be collected until after the borrower has received the necessary disclosures. Loan to Value (LTV) should not exceed a maximum of 80 percent of appraised value (75% LTV for condos and townhouses.) Properties purchased within the past 12 months are subject to LTV of 80% of cost or appraised value whichever is less (75% for condos and townhouses.) Flood insurance may be required.  Title insurance required. Other third party fees may apply. All mortgage products are available for new money and refinance. Cash out refinance increases the rate by 25 basis points.  Offer is subject to credit approval. Borrower must be of legal age to apply.

Adjustable Rate Mortgages are variable and may increase or decrease after their initial fixed periods. All 10-year ARMs will adjust every 10 years thereafter and all 5-year ARMs will adjust every 5 years thereafter. With each adjustment the interest rate is based upon an index plus a margin. Ask us for our current index and margin. 6% lifetime Cap. Payment examples are based on borrowing $100,000.

Fixed Rate Residential Prestige Mortgages minimum credit score of 700 based on Experian/Fair Isaac score.

Fixed Rate Residential Mortgages and Adjustable Rate Mortgages minimum credit score of 700. Credit score of 675 – 699 increase the base rate 50 basis points per applicant; credit scores of 640 – 674 increase the base rate 75 basis points per applicant. Credit scores are based on Experian/Fair Isaac.

Speak to one of our Mortgage Loan Originators for additional information.