Rates accurate as of July 22, 2021
Type of Mortgage Interest Rate Annual Percentage Rate (APR) Loan Fee
30 Year Fixed (Owner Occupied)
30 Year Fixed (Owner Occupied) 3.750% 3.929% 1%
20 Year Fixed (Owner Occupied)
20 Year Fixed (Owner Occupied) 3.375% 3.616% 1%
15 Year Fixed (Owner Occupied)
15 Year Fixed (Owner Occupied) 3.125% 3.428% 1%
30 Year Fixed (Non-Owner Occupied)
30 Year Fixed (Non-Owner Occupied) 4.375% 4.649% 2%
15 Year Fixed (Non-Owner Occupied)
15 Year Fixed (Non-Owner Occupied) 4.125% 4.588% 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) 4.000% 4.119% 1%
$850,000 and above (90% max LTV)
$850,000 and above (90% max LTV) 4.250% 4.363% 1%

HOME LOAN PAYMENT CALCULATIONS
Calculations based on $240,000.00 conventional loan 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.

  • Owner Occupied (30-Year Mortgage): Interest rate 3.750%, Annual Percentage Rate (APR) 3.929%, 360 monthly payments of $1,111.48 each, total interest paid $164,631.13
  • Owner Occupied (20-Year Mortgage): Interest rate 3.375%, Annual Percentage Rate (APR) 3.616%, 240 monthly payments of $1,376.54 each, total interest paid $94,418.61
  • Owner Occupied (15-Year Mortgage): Interest rate 3.125%, Annual Percentage Rate (APR) 3.428%, 180 monthly payments of $1,671.86 each, total interest paid $64,685.30
  • Non-Owner Occupied (30-Year Mortgage): Interest rate 4.375%, Annual Percentage Rate (APR) 4.649%, 360 monthly payments of $1,198.28 each, total interest paid $196,634.20
  • Non-Owner Occupied (15-Year Mortgage): Interest rate 4.125%, Annual Percentage Rate (APR) 4.588%, 180 monthly payments of $1,790.32 each, total interest paid $87,208.06

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 4.000%, Annual Percentage Rate (APR) 4.119%, 360 monthly payments of $3,127.21 each, total interest paid $483,845.34
  • $850,000 loan amount: Interest rate 4.250%, Annual Percentage Rate (APR) 4.363%, 360 monthly payments of $4,180.82 each, total interest paid $673,398.23

*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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