Mortgage Rates

Today’s Rates

  • Fixed Rate Loans Up to $425,000

  • Adjustable Rate Loans Up to $425,000

  • Jumbo Loans over $425,000

  • Construction and Land Loans

  • Home Equity Loans & Lines of Credit


    • Fixed Rate Mortgages - Retained
        Caps Term Rate Points APR* Payment $1,000 Financed Max Term Margin Floor Min/Max Rates Payment $1,000 Tier APY Minimum Balance to Obtain APY

      Minimum Balance to Open Interest Rate

      30-year Servicing Retained

      4.875%

      0

      4.912%

      $5.29

      30

      $5.29

      20-year Servicing Retained

      4..750%

      0

      4.800%

      $6.46

      20

      $6.46

      15-year Servicing Retained

      4.375%

      0

      4.437%

      $7.59

      15

      $7.59

      Fixed Rate 10-Year Portfolio
        Caps Term Rate Points APR* Payment $1,000 Financed Max Term Margin Floor Min/Max Rates Payment $1,000 Tier APY Minimum Balance to Obtain APY

      Minimum Balance to Open Interest Rate

      10-Year Portfolio

      4.000%

      0

      4.085%

      $10.12

      10

      $10.12

      Fixed Rate - Manufactured Home in Park
        Caps Term Rate Points APR* Payment $1,000 Financed Max Term Margin Floor Min/Max Rates Payment $1,000 Tier APY Minimum Balance to Obtain APY

      Minimum Balance to Open Interest Rate

      20-Year Portfolio

      5.250%

      0

      5.301%

      $6.74

      20

      $6.74

      *APR = Annual Percentage Rate.  APR based on loan amount of $100,000.
      All loans subject to credit approval.
      Rates are subject to change without notice.

    • Adjustable Rate Mortgages
        Caps Term Rate Points APR* Payment $1,000 Financed Max Term Margin Floor Min/Max Rates Payment $1,000 Tier APY Minimum Balance to Obtain APY

      Minimum Balance to Open Interest Rate

      10/1 ARM

      5/2/5

      30

      3.990%

      0

      4.596%

      $4.77

      2.875%

      4.000%

      $4.77

      7/1 ARM

      5/2/5

      30

      3.875%

      0

      4.756%

      $4.70

      2.875%

      4.000%

      $4.70

      5/1 ARM

      2/6

      30

      3.625%

      0

      4.849%

      $4.56

      2.875%

      4.000%

      $4.56

      3/1 ARM

      2/6

      30

      3.500%

      0

      5.062%

      $4.49

      2.875%

      4.000%

      $4.49

      *APR = Annual Percentage Rate.  APR based on loan amount of $100,000.
      Variable rates may increase after consummation.
      All loans subject to credit approval.
      Rates are subject to change without notice.

    • Fixed Rate Jumbo Mortgages over $425,000
        Caps Term Rate Points APR* Payment $1,000 Financed Max Term Margin Floor Min/Max Rates Payment $1,000 Tier APY Minimum Balance to Obtain APY

      Minimum Balance to Open Interest Rate

      30-year Fixed Rate Jumbo

      4.750%

      0

      4.759%

      $5.22

      30

      $5.22

      15-year Fixed Rate Jumbo

      4.250%

      0

      4.264%

      $7.52

      15

      $7.52

      10-year Fixed Rate Jumbo

      3.875%

      0

      3.895%

      $10.07

      10

      $10.07

      Adjustable Rate Jumbo Mortgages over $425,000
        Caps Term Rate Points APR* Payment $1,000 Financed Max Term Margin Floor Min/Max Rates Payment $1,000 Tier APY Minimum Balance to Obtain APY

      Minimum Balance to Open Interest Rate

      10/1 ARM

      5/2/5

      30

      3.990%

      0

      4.570%

      $4.77

      2.875%

      4.000%

      $4.77

      7/1 ARM

      5/2/5

      30

      3.875%

      0

      4.729%

      $4.70

      2.875%

      4.000%

      $4.70

      5/1 ARM

      2/6

      30

      3.625%

      0

      4.822%

      $4.56

      2.875%

      4.000%

      $4.56

      3/1 ARM

      2/6

      30

      3.500%

      0

      5.034%

      $4.49

      2.875%

      4.000%

      $4.49

      *APR = Annual Percentage Rate.   APR based on loan amount of $425,000.
      Variable rates may increase after consummation.
      All loans subject to credit approval.
      Rates are subject to change without notice.

    • Fixed Rate Construction Loans
        Caps Term Rate Points APR* Payment $1,000 Financed Max Term Margin Floor Min/Max Rates Payment $1,000 Tier APY Minimum Balance to Obtain APY

      Minimum Balance to Open Interest Rate

      30-year Fixed Rate One-Step Construction

      5.000%

      0

      5.104%

      $5.37

      30

      $5.37

      15-year Fixed Rate One-Step Construction

      4.500%

      0

      4.672%

      $7.65

      15

      $7.65

      Adjustable Rate Construction Loan
        Caps Term Rate Points APR* Payment $1,000 Financed Max Term Margin Floor Min/Max Rates Payment $1,000 Tier APY Minimum Balance to Obtain APY

      Minimum Balance to Open Interest Rate

      7/1 ARM One-Step Construction

      5/2/5

      30

      4.000%

      0

      4.878%

      $4.77

      30

      2.875%

      4.000%

      $4.77

      Land
        Caps Term Rate Points APR* Payment $1,000 Financed Max Term Margin Floor Min/Max Rates Payment $1,000 Tier APY Minimum Balance to Obtain APY

      Minimum Balance to Open Interest Rate

      3/1 ARM

      2/6

      15

      6.290%

      1

      6.860%

      $8.60

      4.250%

      4.250%

      $8.60

      *APR = Annual Percentage Rate.   APR base on loan amount of $100,000.
      Variable rates may increase after consummation.
      All loans subject to credit approval.
      Rates are subject to change without notice.

    • Home Equity Products - Index - Wall Street Prime 5.25%
        Caps Term Rate Points APR* Payment $1,000 Financed Max Term Margin Floor Min/Max Rates Payment $1,000 Tier APY Minimum Balance to Obtain APY

      Minimum Balance to Open Interest Rate

      Home Equity Line of Credit - Adjusted Quarterly

      5/2/5 Caps

      2.990% **

      0

      2.990%

      $2.54

      300

      $2.54

      Home Equity Loan - Fixed Rate

      4.875%

      0

      4.880%

      $10.55

      120

      $10.55

      You are welcome to Apply now.

      *APR = Annual Percentage Rate.   APR base on loan amount of $100,000.

      Variable rates may increase after consummation.

      All loans subject to credit approval.

      Rates are subject to change without notice.

      The maximum APR for Home Equity Lines of Credit is 18.000%.

      **Introductory rate of 2.990% offered for first 9 months.   Interest only – variable payments for next 111 months. Calculated Wall Street Journal Prime minus 0.25%. The rate after the introductory period is currently 5.00%.  Fixed rate repayment for the final 15 years.

      Please click here to view our Home Equity Line of Credit disclosure.

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