Features

  • Interest rates are fixed for the life of the loan and based on the term of the loan.
  • Currently offers terms of 15, 20, and 30 years with no points or one point (points are calculated at 1% of your loan amount).
  • Construction/permanent loans available with one application, one closing, interest only during construction, and no escrow.
  • Conventional mortgage and construction loan rates are fixed for the life of your loan.
  • Private Mortgage Insurance (PMI) is required on loans greater than 80% of the lower of cost or appraised value.

Current Rates

Effective Date: Thursday, December 12, 2019

Mortgage Rates (up to 80% Loan to Value)

TermsPointsAnnual Percentage Rate (APR) Interest Rate Monthly Payment Per $1,000 Borrowed
15 years*
0
3.535%
3.50%
$7.15
15 years*
1
3.431%
3.25%
$7.03
20 years*
0
3.780%
3.75%
$5.93
20 years*
1
3.643%
3.50%
$5.80
30 years*
0
4.024%
4.00%
$4.77
30 years*
1
3.856%
3.75%
$4.63

*APR is based on $100,000.00 loan amount

**Maximum loan to value ratio is 80% (up to 95% allowed with PMI)

"For credit secured by a first lien on a dwelling, payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater."