Rates accurate as of June 24, 2022
HELP Type Annual Percentage Rate (APR) Amortized Term Loan Fee
5.000% Fixed (80% Max LTV)
5.000% Fixed (80% Max LTV) 5.210% 10 Years $0
7.250% Fixed (90% Max LTV)
7.250% Fixed (90% Max LTV) 7.491% 10 Years $0
5.250% Fixed (80% Max LTV)
5.250% Fixed (80% Max LTV) 5.400% 15 Years $0
7.500% Fixed (90% Max LTV)
7.500% Fixed (90% Max LTV) 7.675% 15 Years $0
5.500% Fixed (80% Max LTV)
5.500% Fixed (80% Max LTV) 5.602% 25 Years $0
7.750% Fixed (90% Max LTV)
7.750% Fixed (90% Max LTV) 7.875% 25 Years $0
Green Choice Retrofit: 4.500% (80% Max LTV)
Green Choice Retrofit: 4.500% (80% Max LTV) 4.704% 10 Years $0
Green Choice Retrofit: 6.750% (90% Max LTV)
Green Choice Retrofit: 6.750% (90% Max LTV) 6.984% 10 Years $0

Product for owner-occupied purchases & refinances.

FIXED-RATE HELP PAYMENT CALCULATIONS
Calculations based on $100,000.00 loan. Payment calculations are principal and interest and do not include taxes or insurance which may increase your monthly payment.

  • 25-Year HELP Loan (90% LTV): Interest rate 7.750%, Annual Percentage Rate (APR) 7.875%, 300 monthly payments of $755.33 each, total interest paid $126,598.00
  • 25-Year HELP Loan (80% LTV): Interest rate 5.500%, Annual Percentage Rate (APR) 5.602%, 300 monthly payments of $614.09 each, total interest paid $84,225.43
  • 15-Year HELP Loan (90% LTV): Interest rate 7.500%, Annual Percentage Rate (APR) 7.675%, 180 monthly payments of $927.01 each, total interest paid $66,862.61
  • 15-Year HELP Loan (80% LTV): Interest rate 5.250%, Annual Percentage Rate (APR) 5.400%, 180 monthly payments of $803.88 each, total interest paid $44,697.82
  • 10-Year HELP Loan (90% LTV): Interest rate 7.250%, Annual Percentage Rate (APR) 7.491%, 120 monthly payments of $1,174.01 each, total interest paid $40,881.26
  • 10-Year HELP Loan (80% LTV): Interest rate 5.000%, Annual Percentage Rate (APR) 5.210%, 120 monthly payments of $1,060.66 each, total interest paid $27,278.47
  • 10-Year Green Choice Retrofit HELP Loan (90% LTV): Interest rate 6.750%, Annual Percentage Rate (APR) 6.984%, 120 monthly payments of $1,148.24 each, total interest paid $37,788.98
  • 10-Year Green Choice Retrofit HELP Loan (80% LTV): Interest rate 4.500%, Annual Percentage Rate (APR) 4.704%, 120 monthly payments of $1,036.38 each, total interest paid $24,366.21

Maximum Loan Amount is $250,000; however, the following stipulations apply:

  • If Olyfed is in 1st lien position, 90% maximum loan to value up to $150,000
  • If Olyfed is NOT in 1st lien position, 80% maximum loan to value up to $150,000
  • 75% maximum loan to value for loan amounts $150,001- $250,000.

Member FDIC
Equal Housing Lender