Rates accurate as of August 13, 2020
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 3.125% 3.303% 1%
15 Year Fixed
15 Year Fixed 3.000% 3.228% 1%
10 Year Fixed
10 Year Fixed 3.000% 3.332% 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) 3.000% 3.120% .50%
Affordable Home Loan Program (30 Year Fixed)
Affordable Home Loan Program (30 Year Fixed) 3.125% 3.197% $800
Non-Owner Occupied (30 Year Fixed)
Non-Owner Occupied (30 Year Fixed) 4.250% 4.431% 1.5%
Non-Owner Occupied (15 Year Fixed)
Non-Owner Occupied (15 Year Fixed) 4.000% 4.317% 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) 3.875% 3.992% 1%
$850,000.00 and above (90% max LTV)
$850,000.00 and above (90% max LTV) 4.125% 4.240% 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 3.125%, 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 3.000%, Annual Percentage Rate (APR) 3.228%, 180 monthly payments of $1,657.40 each, total interest paid $58,331.16
  • 10-Year Mortgage: Interest rate 3.000%, Annual Percentage Rate (APR) 3.332%, 120 monthly payments of $2,317.46 each, total interest paid $38,094.93
  • 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 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 3.125%, Annual Percentage Rate (APR) 3.197%, 360 monthly payments of $1,028.10 each, total interest paid $130,116.62
  • Non-Owner Occupied (30-Year Mortgage): Interest rate 4.250%, Annual Percentage Rate (APR) 4.431%, 360 monthly payments of $1,180.66 each, total interest paid $185,034.55
  • Non-Owner Occupied (15-Year Mortgage): Interest rate 4.000%, Annual Percentage Rate (APR) 4.317%, 180 monthly payments of $1,775.25 each, total interest paid $79,545.33

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 3.875%, Annual Percentage Rate (APR) 3.992%, 360 monthly payments of $3,080.05 each, total interest paid $453,819.82
  • $850,000 loan amount: Interest rate 4.125%, Annual Percentage Rate (APR) 4.240%, 360 monthly payments of $4,119.52 each, total interest paid $633,029.10

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