Rates accurate as of February 13, 2020
Type of Mortgage Interest Rate Annual Percentage Rate (APR) Loan Fee
30 Year Fixed (Owner Occupied)
30 Year Fixed (Owner Occupied) 3.950% 4.112% 1%
20 Year Fixed (Owner Occupied)
20 Year Fixed (Owner Occupied) 3.625% 3.844% 1%
15 Year Fixed (Owner Occupied)
15 Year Fixed (Owner Occupied) 3.375% 3.651% 1%
30 Year Fixed (Non-Owner Occupied)
30 Year Fixed (Non-Owner Occupied) 4.750% 5.011% 2%
15 Year Fixed (Non-Owner Occupied)
15 Year Fixed (Non-Owner Occupied) 4.125% 4.557% 2%
Green Choice Lending Program*
Green Choice Lending Program* 0.50% Off Loan Fee

HOME LOAN PAYMENT CALCULATIONS
Calculations based on $240,000.00 conventional loan with 20% down payment (purchase) or equity position (refinancing).

  • Owner Occupied (30-Year Mortgage): Interest rate 3.950%, Annual Percentage Rate (APR) 4.112%, 360 monthly payments of $1,138.89 each, total interest paid $173,554.83
  • Owner Occupied (20-Year Mortgage): Interest rate 3.625%, Annual Percentage Rate (APR) 3.844%, 240 monthly payments of $1,407.37 each, total interest paid $101,030.65
  • Owner Occupied (15-Year Mortgage): Interest rate 3.375%, Annual Percentage Rate (APR) 3.651%, 180 monthly payments of $1,701.02 each, total interest paid $69,221.94
  • Non-Owner Occupied (30-Year Mortgage): Interest rate 4.750%, Annual Percentage Rate (APR) 5.011%, 360 monthly payments of $1,251.95 each, total interest paid $214,979.54
  • Non-Owner Occupied (15-Year Mortgage): Interest rate 4.125%, Annual Percentage Rate (APR) 4.557%, 180 monthly payments of $1,790.32 each, total interest paid $85,970.56

For loan requests over $500,000, please contact us for rates.

Maximum loan to value of 95% on Owner Occupied (with a licensed contractor).

*Green Choice Lending Program: 0.50% off loan fee for loans $500,000 and below. The reduction on loan fees for loans of $500,001 and above may not exceed $2,500.00.

Member FDIC
Equal Housing Lender