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Mortgage Loan Rates

Rates effective as of October 16,  2018

30-year Fixed Rates

  Maximum Financed Rate Points Annual Percentage Rate (APR)
Conforming $453,100 4.625% 1.00 4.762%
Conforming $453,100 4.875% 0.00 4.925%
Conforming Plus $679,650 4.750% 1.00 4.876%
Conforming Plus $679,650 5.000% 0.00 5.039%
Jumbo $2,500,000 5.125% 1.00 5.153%
Jumbo $2,500,000 5.500% 0.00 5.528%

Apply now 30-year Fixed Rates

20-year Fixed Rates

  Maximum Financed Rate Points Annual Percentage Rate (APR)
Conforming $453,100 4.500% 1.00 4.687%
Conforming $453,100 4.750% 0.00 4.818%

                                              Apply now 30-year Fixed Rates

15-year Fixed Rates

  Maximum Financed Rate Points Annual Percentage Rate (APR)
Conforming $453,100 4.125% 1.00 4.361%
Conforming $453,100 4.500% 0.00 4.586%
Conforming Plus $679,650 4.750% 1.00 4.969%
Conforming Plus $679,650 5.000% 0.875 5.202%
Jumbo $2,500,000 4.625% 1.00 4.824%
Jumbo $2,500,000 5.125% 0.00 5.173%

Apply now 15-year Fixed Rates

30-year 5/1 Adjustable Rate Mortgage (ARM)

  Maximum Financed Rate Points Annual Percentage Rate (APR)
Conforming $453,100 4.250% 1.00 5.359%
Conforming $453,100 4.750% 0.00 5.268%

Apply now 30-year Adjustable Rate Mortgage

30-year 7/1 Adjustable Rate Mortgage (ARM)

  Maximum Financed Rate Points Annual Percentage Rate (APR)
Conforming $453,100 4.375% 1.00 5.359%
Conforming $453,100 4.750% 0.00 5.268%

Apply now 30-year Adjustable Rate Mortgage

30-year 10/1 Adjustable Rate Mortgage (ARM)

  Maximum Financed Rate Points Annual Percentage Rate (APR)
Conforming $453,100 5.125% 1.25 5.382%
Conforming $453,100 5.250% 1.00 5.359%

  Apply now 30-year Adjustable Rate Mortgage

Index Source = 1 year LIBOR
Margin = 2.25
Index Rate = 2.967

Fully Indexed Rate = 2.967 + 2.25 = 5.217%
5/1 Annual Cap = 2.000%
7/1 and 10/1 Initial Rate Cap Maximum = 5.000%; then 2.000% thereafter
Life Cap = 5.000% over initial rate

30-year 5/5 Adjustable Rate Mortgage (ARM)

  Maximum Financed Rate Points Annual Percentage Rate (APR)
Conforming $453,100 4.250% 1.00 5.668%
Conforming $453,100 4.750% 0.00 5.576%

  Apply now 30-year Adjustable Rate Mortgage

Index Source = 5 Year Treasury Securities
Margin = 2.50
Index Rate = 3.024
Fully Indexed Rate = 3.024 + 2.500 = 5.524%
Initial Rate Cap = 5.000
Annual After Initial Rate Adjustment = 2.000
Life Cap = 8.000% over initial rate

Rates, points and programs cannot be guaranteed and are subject to change without notice. Loans subject to all policies and procedures. Property insurance is required. Flood insurance may apply. No mobile homes. Quoted conforming rates are based on a loan amount of $250,000, rate and term only. Rate adjustments may apply for cash out, loans under or over $250,000, rental/vacation/second home properties or loan-to-value (LTV) over 75% of appraised value. Actual rate will be determined after receipt of application and prior to execution of final loan documents. There are no pre-payment penalties on these quotes.

 20-year loans are also available. Please call for rate quotes.

Representative example: Pay $5.29 month per $1,000 borrowed at 4.875% APR for 30 years. Taxes and insurance are not included in this calculation.

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