Rates accurate as of March 26, 2020
Mortgage Type Interest Rate Annual Percentage Rate (APR) Loan Fee
30 Year Fixed
30 Year Fixed 4.125% 4.260% 1%
20 Year Fixed
20 Year Fixed 3.875% 4.059% 1%
15 Year Fixed
15 Year Fixed 3.625% 3.858% 1%
10 Year Fixed
10 Year Fixed 3.500% 3.836% 1%
1st Time Homebuyer (30 Year Fixed)
1st Time Homebuyer (30 Year Fixed) 4.000% 4.091% .50%
1st Time Homebuyer (20 Year Fixed)
1st Time Homebuyer (20 Year Fixed) 3.750% 3.874% .50%
Affordable Home Loan Program (30 Year Fixed)
Affordable Home Loan Program (30 Year Fixed) 3.750% 3.825% $800
Non-Owner Occupied (30 Year Fixed)
Non-Owner Occupied (30 Year Fixed) 5.000% 5.259% 1.5%
Non-Owner Occupied (15 Year Fixed)
Non-Owner Occupied (15 Year Fixed) 4.750% 5.075% 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) 4.375% 4.497% 1%
$850,000.00 and above (90% max LTV)
$850,000.00 and above (90% max LTV) 4.625% 4.745% 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 4.125%, Annual Percentage Rate (APR) 4.260%, 360 monthly payments of $1,163.16 each, total interest paid $178,737.20
  • 20-Year Mortgage: Interest rate 3.875%, Annual Percentage Rate (APR) 4.059%, 240 monthly payments at $1,483.59 each, total interest paid $105,262.94
  • 15-Year Mortgage: Interest rate 3.625%, Annual Percentage Rate (APR) 3.858%, 180 monthly payments of $1,730.49 each, total interest paid $71,487.76
  • 10-Year Mortgage: Interest rate 3.500%, Annual Percentage Rate (APR) 3.836%, 120 monthly payments of $2,373.26 each, total interest paid $44,791.36
  • 1st Time Homebuyer (30-Year Mortgage): Interest rate 4.000%, Annual Percentage Rate (APR) 4.091%, 360 monthly payments of $1,145.80 each, total interest paid $172,485.63
  • 1st Time Homebuyer (20-Year Mortgage): Interest rate 3.750%, Annual Percentage Rate (APR) 3.874%, 240 monthly payments of $1,422.93 each, total interest paid $101,503.86
  • Affordable Home Loan Program (30-Year Mortgage): Interest rate 3.750%, Annual Percentage Rate (APR) 3.825%, 360 monthly payments of $1,111.48 each, total interest paid $160,131.13
  • Non-Owner Occupied (30-Year Mortgage): Interest rate 5.000%, Annual Percentage Rate (APR) 5.259%, 360 monthly payments of $1,583.89 each, total interest paid $140,135.15
  • Non-Owner Occupied (15-Year Mortgage): Interest rate 4.750%, Annual Percentage Rate (APR) 5.075%, 180 monthly payments of $1,866.80 each, total interest paid $96,023.07

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 4.375%, Annual Percentage Rate (APR) 4.497%, 360 monthly payments of $3,270.32 each, total interest paid $522,314.07
  • $850,000 loan amount: Interest rate 4.625%, Annual Percentage Rate (APR) 4.745%, 360 monthly payments of $4,370.19 each, total interest paid $723,265.04

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