Rates accurate as of September 30, 2022
HELP Type Annual Percentage Rate (APR) Amortized Term Loan Fee
7.000% Fixed (80% Max LTV)
7.000% Fixed (80% Max LTV) 7.237% 10 Years $0
8.375% Fixed (90% Max LTV)
8.375% Fixed (90% Max LTV) 8.632% 10 Years $0
7.000% Fixed (80% Max LTV)
7.000% Fixed (80% Max LTV) 7.169% 15 Years $0
8.625% Fixed (90% Max LTV)
8.625% Fixed (90% Max LTV) 8.814% 15 Years $0
7.500% Fixed (80% Max LTV)
7.500% Fixed (80% Max LTV) 7.622% 25 Years $0
8.875% Fixed (90% Max LTV)
8.875% Fixed (90% Max LTV) 9.013% 25 Years $0
Green Choice Retrofit: 6.250% (80% Max LTV)
Green Choice Retrofit: 6.250% (80% Max LTV) 6.477% 10 Years $0
Green Choice Retrofit: 7.875% (90% Max LTV)
Green Choice Retrofit: 7.875% (90% Max LTV) 8.125% 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 8.875%, Annual Percentage Rate (APR) 9.013%, 300 monthly payments of $830.65 each, total interest paid $149,568.21
  • 25-Year HELP Loan (80% LTV): Interest rate 7.500%, Annual Percentage Rate (APR) 7.622%, 300 monthly payments of $738.99 each, total interest paid $122,010.39
  • 15-Year HELP Loan (90% LTV): Interest rate 8.625%, Annual Percentage Rate (APR) 8.814%, 180 monthly payments of $992.08 each, total interest paid $78,934.01
  • 15-Year HELP Loan (80% LTV): Interest rate 7.000%, Annual Percentage Rate (APR) 7.169%, 180 monthly payments of $898.83 each, total interest paid $62,080.33
  • 10-Year HELP Loan (90% LTV): Interest rate 8.375%, Annual Percentage Rate (APR) 8.632%, 120 monthly payments of $1,233.18 each, total interest paid $48,330.85
  • 10-Year HELP Loan (80% LTV): Interest rate 7.000%, Annual Percentage Rate (APR) 7.237%, 120 monthly payments of $1,161.08 each, total interest paid $39,621.95
  • 10-Year Green Choice Retrofit HELP Loan (90% LTV): Interest rate 7.875%, Annual Percentage Rate (APR) 8.125%, 120 monthly payments of $1,206.68 each, total interest paid $45,129.96
  • 10-Year Green Choice Retrofit HELP Loan (80% LTV): Interest rate 6.250%, Annual Percentage Rate (APR) 6.477%, 120 monthly payments of $1,122.80 each, total interest paid $34,996.54

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