Rates accurate as of July 22, 2021
Mortgage Type Interest Rate Annual Percentage Rate (APR) Loan Fee
30 Year Fixed
30 Year Fixed 3.500% 3.630% 1%
20 Year Fixed
20 Year Fixed 3.125% 3.303% 1%
15 Year Fixed
15 Year Fixed 2.875% 3.102% 1%
10 Year Fixed
10 Year Fixed 2.500% 2.825% 1%
1st Time Homebuyer (30 Year Fixed)
1st Time Homebuyer (30 Year Fixed) 3.125% 3.210% .50%
1st Time Homebuyer (20 Year Fixed)
1st Time Homebuyer (20 Year Fixed) 3.000% 3.120% .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) 4.125% 4.305% 1.5%
Non-Owner Occupied (15 Year Fixed)
Non-Owner Occupied (15 Year Fixed) 3.500% 3.809% 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) 3.750% 3.866% 1%
$850,000.00 and above (90% max LTV)
$850,000.00 and above (90% max LTV) 4.000% 4.114% 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 3.500%, Annual Percentage Rate (APR) 3.630%, 360 monthly payments of $1,077.71 each, total interest paid $147,973.99
  • 20-Year Mortgage: Interest rate 3.125%, Annual Percentage Rate (APR) 3.303%, 240 monthly payments at $1,346.10 each, total interest paid $83,064.62
  • 15-Year Mortgage: Interest rate 2.875%, Annual Percentage Rate (APR) 3.102%, 180 monthly payments of $1,643.01each, total interest paid $55,740.83
  • 10-Year Mortgage: Interest rate 2.500%, Annual Percentage Rate (APR) 2.825%, 120 monthly payments of $2,262.48 each, total interest paid $31,497.27
  • 1st Time Homebuyer (30-Year Mortgage): Interest rate 3.125%, Annual Percentage Rate (APR) 3.210%, 360 monthly payments of $1,028.10 each, total interest paid $130,116.62
  • 1st Time Homebuyer (20-Year Mortgage): Interest rate 3.000%, Annual Percentage Rate (APR) 3.120%, 240 monthly payments of $1,331.03 each, total interest paid $79,448.61
  • 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 4.125%, Annual Percentage Rate (APR) 4.305%, 360 monthly payments of $1,163.16 each, total interest paid $178,737.20
  • Non-Owner Occupied (15-Year Mortgage): Interest rate 3.500%, Annual Percentage Rate (APR) 3.809%, 180 monthly payments of $1,715.72 each, total interest paid $68,829.13

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 3.750%, Annual Percentage Rate (APR) 3.866%, 360 monthly payments of $3,033.41 each, total interest paid $437,025.62
  • $850,000 loan amount: Interest rate 4.000%, Annual Percentage Rate (APR) 4.114%, 360 monthly payments of $4,058.03 each, total interest paid $610,890.83

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

Member FDIC
Equal Housing Lender