Rates accurate as of February 13, 2020
Mortgage Type Interest Rate Annual Percentage Rate (APR) Loan Fee
30 Year Fixed
30 Year Fixed 3.950% 4.083% 1%
20 Year Fixed
20 Year Fixed 3.625% 3.806% 1%
15 Year Fixed
15 Year Fixed 3.375% 3.605% 1%
10 Year Fixed
10 Year Fixed 3.125% 3.455% 1%
1st Time Homebuyer (30 Year Fixed)
1st Time Homebuyer (30 Year Fixed) 3.825% 3.915% .50%
1st Time Homebuyer (20 Year Fixed)
1st Time Homebuyer (20 Year Fixed) 3.500% 3.622% .50%
Affordable Home Loan Program (30 Year Fixed)
Affordable Home Loan Program (30 Year Fixed) 3.500% 3.573% $800
Non-Owner Occupied (30 Year Fixed)
Non-Owner Occupied (30 Year Fixed) 4.750% 4.937% 1.5%
Non-Owner Occupied (15 Year Fixed)
Non-Owner Occupied (15 Year Fixed) 4.500% 4.821% 1.5%
Green Choice Energy Efficient Mortgage*
Green Choice Energy Efficient Mortgage* 0.50% Off Loan Fee
Mortgage Type Interest Rate Annual Percentage Rate (APR) Loan Fee
Jumbo (30 Year Fixed)
$500,000.01 - $650,000.00 (90% max LTV)
$500,000.01 - $650,000.00 (90% max LTV) 4.250% 4.374% 1%
$650,000.01 - $850,000.00 (90% max LTV)
$650,000.01 - $850,000.00 (90% max LTV) 4.500% 4.621% 1%

Product for owner-occupied purchases & refinances. Rates are held at the time of application. Plus, if our rates go down before closing, you get the lowest rate. Ask about our insured programs with only a 3% down payment.

Jumbo Loans are not available on Green Choice Lending programs. On loan amounts of $800,001 and above, contact a loan officer for rates and terms.

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.

  • 30-Year Mortgage: Interest rate 3.950%, Annual Percentage Rate (APR) 4.083%, 360 monthly payments of $1,138.89 each, total interest paid $169,999.83
  • 20-Year Mortgage: Interest rate 3.625%, Annual Percentage Rate (APR) 3.806%, 240 monthly payments at $1,407.37 each, total interest paid $97,768.15
  • 15-Year Mortgage: Interest rate 3.375%, Annual Percentage Rate (APR) 3.605%, 180 monthly payments of $1,701.02 each, total interest paid $66,184.44
  • 10-Year Mortgage: Interest rate 3.125%, Annual Percentage Rate (APR) 3.455%, 120 monthly payments of $2,331.33 each, total interest paid $39,759.84
  • 1st Time Homebuyer (30-Year Mortgage): Interest rate 3.825%, Annual Percentage Rate (APR) 3.915%, 360 monthly payments of $1,121.72 each, total interest paid $163,816.49
  • 1st Time Homebuyer (20-Year Mortgage): Interest rate 3.500%, Annual Percentage Rate (APR) 3.622%, 240 monthly payments of $1,391.90 each, total interest paid $94,057.11
  • Affordable Home Loan Program (30-Year Mortgage): Interest rate 3.500%, Annual Percentage Rate (APR) 3.573%, 360 monthly payments of $1,077.71 each, total interest paid $147,973.99
  • Non-Owner Occupied (30-Year Mortgage): Interest rate 4.750%, Annual Percentage Rate (APR) 4.937%, 360 monthly payments of $1,251.95 each, total interest paid $210,704.54
  • Non-Owner Occupied (15-Year Mortgage): Interest rate 4.500%, Annual Percentage Rate (APR) 4.821%, 180 monthly payments of $1,835.98 each, total interest paid $90,477.35

JUMBO LOAN PAYMENT CALCULATIONS
Calculation examples based on loan amounts and required minimum down payments shown below. Payment calculations are principal and interest only and do not include taxes or insurance which may increase your monthly payment.

  • $525,000 loan amount (90% max LTV):Interest rate 4.250%, Annual Percentage Rate (APR) 4.374, 360 monthly payments of $2,582.68 each, total interest paid $404,768.14
  • $675,000 loan amount (90% max LTV): Interest rate 4.500%, Annual Percentage Rate (APR) 4.621 360 monthly payments of $3,420.13 each, total interest paid $556,243.60

Green Choice Energy Efficient Mortgage: 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.

Member FDIC
Equal Housing Lender