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: Tuesday, October 22, 2019

Mortgage Rates (up to 80% Loan to Value)

TermsPointsAnnual Percentage Rate (APR) Interest Rate Monthly Payment Per $1,000 Borrowed
15 years*
0
3.410%
3.375%
$7.09
15 years*
1
3.305%
3.125%
$6.97
20 years*
0
3.654%
3.625%
$5.86
20 years*
1
3.518%
3.375%
$5.74
30 years*
0
3.899%
3.875%
$4.70
30 years*
1
3.730%
3.625%
$4.56

*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."