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We offer many Mortgage Programs. The list below is a sample.
Please call if you would like information on our other Programs.
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MORTGAGE LOANS | CONSUMER LOAN INTEREST | SAVINGS INTEREST | HOME
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Current Rates - Effective August 24, 2010
.Rates subject to change without notice.
FIXED MORTGAGE
Single Family Owner Occupied
|
Term |
Interest Rate |
Points |
*APR
|
Payment Per Thousand |
|
7 Years |
3.500%
|
1.00 |
3.851% |
13.44 |
|
3.375% |
1.00 |
3.625% |
9.83 |
SPECIAL
12 Years
|
3.50% |
2.00 |
3.895% |
8.51 |
|
SPECIAL
15 Years |
3.625% |
1.00 |
3.799% |
7.21 |
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20 Years |
4.125%
|
1.00 |
4.262% |
6.13 |
30 Years |
4.375% |
1.00 |
4.476%
| 4.99
|
*(APR) Annual Percentage Rate based on a loan amount of $175,000.00 with 20%down. Your APR may vary
based on your final loan amount and finance charges. Payment amounts do not include real estate taxes and insurance. Your
actual monthly payment will be higher if and escrow account is required and established.
ADJUSTABLE RATE MORTGAGE
|
Product
|
Points |
APR |
| 1 Year ARM |
1.00 |
3.161%
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| 5 + 1 Year ARM |
1.00 |
3.657%
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Caps 2.00% / 6.00% Interest Rate may change (increase/decrease) after the initial period
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FIRST TIME HOME BUYER MORTGAGE
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Product
|
Points |
APR |
| 5 + 1 Year ARM |
0.5
|
3.406%
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Caps 1.50%/ 4.00% Interest Rate may change (increase/decrease) after the initial period.
NEW CONSTRUCTION MORTGAGE/Owner Occupied
|
Term |
Interest Rate |
Points |
APR |
Payment Per Thousand |
|
1 Year Fixed |
6.000%
|
0.750 |
8.006%
|
5.00 |
(APR) Annual Percentage Rate based on a loan amount of $100,000.00 with a 80% loan to value. Your APR may
vary based
on your final loan amount and finance charges. Payment amount does not include real estate taxes and insurance. Your actual
monthly payment will be higher if an escrow account is required and established.
HOME EQUITY LINE OF CREDIT
|
Product
|
Interest Rate**
|
Points |
*APR
|
|
Line of Credit |
3.99%
|
N/A |
3.99%
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** Rate based on the current prime rate of 3.25% APR as published in the Wall Street Journal on the last business
of the previous month and may vary up to 18.00% APR. Minimum rate is 3.99% Certain fees that must be paid to third
parties when opening a line generally total between $175.00 and $550.00. If the line is terminated within 24 months of
opening, an early termination fee of $250.00 will be assessed.
MORTGAGE LOAN CALCULATOR