Rates accurate as of January 28, 2021
Mortgage Type Interest Rate Annual Percentage Rate (APR) Loan Fee
30 Year Fixed
30 Year Fixed 3.375% 3.503% 1%
20 Year Fixed
20 Year Fixed 3.00% 3.176% 1%
15 Year Fixed
15 Year Fixed 2.75% 2.975% 1%
10 Year Fixed
10 Year Fixed 2.750% 3.079% 1%
1st Time Homebuyer (30 Year Fixed)
1st Time Homebuyer (30 Year Fixed) 3.250% 3.337% .50%
1st Time Homebuyer (20 Year Fixed)
1st Time Homebuyer (20 Year Fixed) 2.875% 2.994% .50%
Affordable Home Loan Program (30 Year Fixed)
Affordable Home Loan Program (30 Year Fixed) 2.875% 2.945% $800
Non-Owner Occupied (30 Year Fixed)
Non-Owner Occupied (30 Year Fixed) 4.000% 4.178% 1.5%
Non-Owner Occupied (15 Year Fixed)
Non-Owner Occupied (15 Year Fixed) 3.375% 3.682% 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)
$650,000.00 - $849,999.99 (90% max LTV)
$650,000.00 - $849,999.99 (90% max LTV) 3.625% 3.740% 1%
$850,000.00 and above (90% max LTV)
$850,000.00 and above (90% max LTV) 3.875% 3.988% 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.

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 3.375%, Annual Percentage Rate (APR) 3.503%, 360 monthly payments of $1,061.03 each, total interest paid $141,971.60
  • 20-Year Mortgage: Interest rate 3.000%, Annual Percentage Rate (APR) 3.176%, 240 monthly payments at $1,331.03 each, total interest paid $79,448.61
  • 15-Year Mortgage: Interest rate 2.750%, Annual Percentage Rate (APR) 2.975%, 180 monthly payments of $1,628.69 each, total interest paid $53,164.60
  • 10-Year Mortgage: Interest rate 2.750%, Annual Percentage Rate (APR) 3.079%, 120 monthly payments of $2,289.86 each, total interest paid $34,783.87
  • 1st Time Homebuyer (30-Year Mortgage): Interest rate 3.250%, Annual Percentage Rate (APR) 3.337%, 360 monthly payments of $1,044.50 each, total interest paid $136,016.99
  • 1st Time Homebuyer (20-Year Mortgage): Interest rate 2.875%, Annual Percentage Rate (APR) 2.994%, 240 monthly payments of $1,316.07 each, total interest paid $75,855.65
  • Affordable Home Loan Program (30-Year Mortgage): Interest rate 2.875%, Annual Percentage Rate (APR) 2.945%, 360 monthly payments of $995.74 each, total interest paid $118,467.66
  • Non-Owner Occupied (30-Year Mortgage): Interest rate 4.000%, Annual Percentage Rate (APR) 4.178%, 360 monthly payments of $1,145.80 each, total interest paid $172,485.63
  • Non-Owner Occupied (15-Year Mortgage): Interest rate 3.375%, Annual Percentage Rate (APR) 3.682%, 180 monthly payments of $1,701.02 each, total interest paid $66,184.44

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 3.625%, Annual Percentage Rate (APR) 3.740%, 360 monthly payments of $2,987.14 each, total interest paid $420,367.87
  • $850,000 loan amount: Interest rate 3.875%, Annual Percentage Rate (APR) 3.988%, 360 monthly payments of $3,997.02 each, total interest paid $588,923.84

Green Choice Energy Efficient Mortgage: 0.50% off loan  origination fee.

Member FDIC
Equal Housing Lender