Rates accurate as of March 26, 2020
Type of Mortgage Interest Rate Annual Percentage Rate (APR) Loan Fee
30 Year Fixed (Owner Occupied)
30 Year Fixed (Owner Occupied) 4.125% 4.289% 1%
20 Year Fixed (Owner Occupied)
20 Year Fixed (Owner Occupied) 3.875% 4.097% 1%
15 Year Fixed (Owner Occupied)
15 Year Fixed (Owner Occupied) 3.625% 3.903% 1%
30 Year Fixed (Non-Owner Occupied)
30 Year Fixed (Non-Owner Occupied) 5.000% 5.265% 2%
15 Year Fixed (Non-Owner Occupied)
15 Year Fixed (Non-Owner Occupied) 4.500% 4.939% 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) 4.375% 4.489% 1%
$850,000 and above (90% max LTV)
$850,000 and above (90% max LTV) 4.625% 4.735% 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 4.125%, Annual Percentage Rate (APR) 4.289%, 360 monthly payments of $1,163.16 each, total interest paid $182,449.70
  • Owner Occupied (20-Year Mortgage): Interest rate 3.875%, Annual Percentage Rate (APR) 4.097%, 240 monthly payments of $1,438.59 each, total interest paid $108,750.44
  • Owner Occupied (15-Year Mortgage): Interest rate 3.625%, Annual Percentage Rate (APR) 3.903%, 180 monthly payments of $1,730.49 each, total interest paid $74,750.26
  • Non-Owner Occupied (30-Year Mortgage): Interest rate 5.000%, Annual Percentage Rate (APR) 5.265%, 360 monthly payments of $1,288.37 each, total interest paid $228,314.85
  • Non-Owner Occupied (15-Year Mortgage): Interest rate 4.500%, Annual Percentage Rate (APR) 4.939%, 180 monthly payments of $1,835.98 each, total interest paid $94,527.35

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 4.375%, Annual Percentage Rate (APR) 4.489%, 360 monthly payments of $3,270.32 each, total interest paid $533,060.16
  • $850,000 loan amount: Interest rate 4.625%, Annual Percentage Rate (APR) 4.735%, 360 monthly payments of $4,370.19 each, total interest paid $738,007.23

*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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Equal Housing Lender