Rates accurate as of October 29, 2020
Type of Mortgage Interest Rate Annual Percentage Rate (APR) Loan Fee
30 Year Fixed (Owner Occupied)
30 Year Fixed (Owner Occupied) 3.625% 3.783% 1%
20 Year Fixed (Owner Occupied)
20 Year Fixed (Owner Occupied) 3.375% 3.591% 1%
15 Year Fixed (Owner Occupied)
15 Year Fixed (Owner Occupied) 3.125% 3.398% 1%
30 Year Fixed (Non-Owner Occupied)
30 Year Fixed (Non-Owner Occupied) 4.250% 4.503% 2%
15 Year Fixed (Non-Owner Occupied)
15 Year Fixed (Non-Owner Occupied) 4.000% 4.430% 2%
Green Choice Lending Program*
Green Choice Lending Program* 0.50% Off Loan Fee
Type of Mortgage Interest Rate Annual Percentage Rate (APR) Loan Fee
Jumbo Construction (30 Year)
$650,000.00 - $849,999.99 (90% max LTV)
$650,000.00 - $849,999.99 (90% max LTV) 3.875% 3.985% 1%
$850,000 and above (90% max LTV)
$850,000 and above (90% max LTV) 4.125% 4.231% 1%

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 3.625%, Annual Percentage Rate (APR) 3.783%, 360 monthly payments of $1,094.52 each, total interest paid $157,291.76
  • Owner Occupied (20-Year Mortgage): Interest rate 3.375%, Annual Percentage Rate (APR) 3.591%, 240 monthly payments of $1,376.54 each, total interest paid $93,406.11
  • Owner Occupied (15-Year Mortgage): Interest rate 3.125%, Annual Percentage Rate (APR) 3.398%, 180 monthly payments of $1,671.86 each, total interest paid $63,747.80
  • Non-Owner Occupied (30-Year Mortgage): Interest rate 4.250%, Annual Percentage Rate (APR) 4.503%, 360 monthly payments of $1,180.66 each, total interest paid $188,859.55
  • Non-Owner Occupied (15-Year Mortgage): Interest rate 4.000%, Annual Percentage Rate (APR) 4.430%, 180 monthly payments of $1,775.25 each, total interest paid $83,145.33

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

JUMBO LOAN PAYMENT CALCULATIONS
Calculation examples based on loan amounts shown with 20% down payment (purchase) or equity position (refinancing). Payment calculations are principal and interest only and do not include taxes or insurance which may increase your monthly payment.

  • $655,000 loan amount: Interest rate 3.875%, Annual Percentage Rate (APR) 3.985%, 360 monthly payments of $3,080.05 each, total interest paid $463,337.79
  • $850,000 loan amount: Interest rate 4.125%, Annual Percentage Rate (APR) 4.231%, 360 monthly payments of $4,119.52 each, total interest paid $646,177.54

*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.

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Equal Housing Lender