Rates accurate as of January 20, 2022
Type of Mortgage Interest Rate Annual Percentage Rate (APR) Loan Fee
30 Year Fixed (Owner Occupied)
30 Year Fixed (Owner Occupied) 3.875% 4.068% 1%
20 Year Fixed (Owner Occupied)
20 Year Fixed (Owner Occupied) 3.500% 3.759% 1%
15 Year Fixed (Owner Occupied)
15 Year Fixed (Owner Occupied) 3.250% 3.576% 1%
30 Year Fixed (Affordable Construction Program)
30 Year Fixed (Affordable Construction Program) 2.750% 2.840% $800
30 Year Fixed (Non-Owner Occupied)
30 Year Fixed (Non-Owner Occupied) 4.375% 4.662% 2%
15 Year Fixed (Non-Owner Occupied)
15 Year Fixed (Non-Owner Occupied) 4.125% 4.611% 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)
$725,000.00 - $849,999.99 (90% max LTV)
$725,000.00 - $849,999.99 (90% max LTV) 4.125% 4.246% 1%
$850,000 and above (90% max LTV)
$850,000 and above (90% max LTV) 4.375% 4.492% 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 3.875%, Annual Percentage Rate (APR) 4.068%, 360 monthly payments of $1,128.57 each, total interest paid $170,934.37
  • Owner Occupied (20-Year Mortgage): Interest rate 3.500%, Annual Percentage Rate (APR) 3.759%, 240 monthly payments of $1,391.90 each, total interest paid $98,257.11
  • Owner Occupied (15-Year Mortgage): Interest rate 3.250%, Annual Percentage Rate (APR) 3.576%, 180 monthly payments of $1,686.41 each, total interest paid $67,452.61
  • Non-Owner Occupied (30-Year Mortgage): Interest rate 4.375%, Annual Percentage Rate (APR) 4.662%, 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) 4.611%, 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.

  • $725,000 loan amount: Interest rate 4.125%, Annual Percentage Rate (APR) 4.246%, 360 monthly payments of $3,513.71 each, total interest paid $554,888.98
  • $850,000 loan amount: Interest rate 4.375%, Annual Percentage Rate (APR) 4.492%, 360 monthly payments of $4,243.92 each, total interest paid $696,408.38

AFFORDABLE CONSTRUCTION LOAN PROGRAM PAYMENT CALCULATION 
Calculations based on $340,000.00 conventional loan with 5% down payment. Payment calculations are principal and interest only and do not include taxes, insurance or Private Mortgage Insurance (PMI), which may increase your monthly payment.

  • Affordable Construction Loan Program (30-Year Mortgage): Interest rate 2.750%, Annual Percentage Rate (APR) 2.840%, 360 monthly payments of $1,388.02 each, total interest paid $164,362.17.

*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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