Are you a first time home buyer? Maybe you're looking to get something bigger? We offer first mortgage loans,
unimproved land loans, construction loans and a pre-approval program so that you know how much house you can afford. Ask one of our mortgage
specialists for help in deciding which mortgage program will best suit your individual needs and budget. Apply right now online.
|
Conforming Fixed Rates
|
| 95% LTV to $417,000 |
| Term | Rate | Points | APR | |
| 30 Year |
6.00 |
0.00 |
6.044 |
Estimate Payment |
| For example a $100,000 Conforming Fixed Rates mortgage with 0.00 points and a 30 year term at 6.00%, the sample estimated monthly payment may be $599.55. |
| 30 Year |
5.75 |
1.00 |
5.886 |
Estimate Payment |
| For example a $100,000 Conforming Fixed Rates mortgage with 1.00 points and a 30 year term at 5.75%, the sample estimated monthly payment may be $577.74. |
| 30 Year |
5.375 |
2.25 |
5.624 |
Estimate Payment |
| For example a $100,000 Conforming Fixed Rates mortgage with 2.25 points and a 30 year term at 5.375%, the sample estimated monthly payment may be $547.37. |
| 30 Year |
5.25 |
3.125 |
5.579 |
Estimate Payment |
| For example a $100,000 Conforming Fixed Rates mortgage with 3.125 points and a 30 year term at 5.25%, the sample estimated monthly payment may be $534.95. |
| 20 Year |
5.75 |
0.125 |
5.823 |
Estimate Payment |
| For example a $100,000 Conforming Fixed Rates mortgage with 0.125 points and a 20 year term at 5.75%, the sample estimated monthly payment may be $701.21. |
| 20 Year |
5.25 |
2.00 |
5.553 |
Estimate Payment |
| For example a $100,000 Conforming Fixed Rates mortgage with 2.00 points and a 20 year term at 5.25%, the sample estimated monthly payment may be $660.37. |
| 15 Year |
5.75 |
0.00 |
5.823 |
Estimate Payment |
| For example a $100,000 Conforming Fixed Rates mortgage with 0.00 points and a 15 year term at 5.75%, the sample estimated monthly payment may be $830.41. |
| 15 Year |
5.00 |
2.375 |
5.440 |
Estimate Payment |
| For example a $100,000 Conforming Fixed Rates mortgage with 2.375 points and a 15 year term at 5.00%, the sample estimated monthly payment may be $772.01. |
| Combo Loans Available |
|
7 Year Balloon
|
| 90% LTV to $417,000 |
| Term | Rate | Points | APR | |
| 7 Year |
6.50 |
0.25 |
6.634 |
Estimate Payment |
| For example a $100,000 7 Year Balloon mortgage with 0.25 points and a 7 year term at 6.50%, the sample estimated monthly payment may be $1,481.23. |
| 7 Year |
5.375 |
2.375 |
5.897 |
Estimate Payment |
| For example a $100,000 7 Year Balloon mortgage with 2.375 points and a 7 year term at 5.375%, the sample estimated monthly payment may be $1,397.09. |
| This program features a low fixed rate for the 1st 7 years of the mortgage. Investors add .375% to the rate with a maximum 80% LTV. |
|
PHFA (1st Time Homebuyers)
|
| 97% LTV |
| Term | Rate | Points | APR | |
| 30 Year |
6.00 |
0.000 |
6.044 |
Estimate Payment |
| For example a $100,000 PHFA (1st Time Homebuyers) mortgage with 0.000 points and a 30 year term at 6.00%, the sample estimated monthly payment may be $599.55. |
| 30 Year |
5.875 |
1.000 |
6.012 |
Estimate Payment |
| For example a $100,000 PHFA (1st Time Homebuyers) mortgage with 1.000 points and a 30 year term at 5.875%, the sample estimated monthly payment may be $585.62. |
| Income and loan amount restrictions apply. Call for details. |
|
97% Fixed Conventional Financing
|
| 97% LTV to $417,000 |
| Term | Rate | Points | APR | |
| 30 Year |
6.25 |
0.25 |
6.318 |
Estimate Payment |
| For example a $100,000 97% Fixed Conventional Financing mortgage with 0.25 points and a 30 year term at 6.25%, the sample estimated monthly payment may be $614.18. |
| 30 Year |
5.50 |
2.625 |
5.787 |
Estimate Payment |
| For example a $100,000 97% Fixed Conventional Financing mortgage with 2.625 points and a 30 year term at 5.50%, the sample estimated monthly payment may be $552.88. |
| 3% Down is all that is required for this program!
Call and ask us about this program. |
|
First Front Door Program
|
| |
| Term | APR | Points | APR | |
| 30 Year |
5.75 |
0.00 |
5.793 |
Estimate Payment |
| For example a $100,000 First Front Door Program mortgage with 0.00 points and a 30 year term at 5.75%, the sample estimated monthly payment may be $583.57. |
| 30 Year |
5.50 |
1.00 |
5.634 |
Estimate Payment |
| For example a $100,000 First Front Door Program mortgage with 1.00 points and a 30 year term at 5.50%, the sample estimated monthly payment may be $562.11. |
| This first time homebuyer program is a reduced rate 30 year fixed rate with a forgivable second mortgage of up to $5000. Ask us how to qualify for this great program. |
|
VA Rates
|
| |
| Term | APR | Points | APR | |
| 30 Year |
6.00 |
0.00 |
6.280 |
Estimate Payment |
| For example a $100,000 VA Rates mortgage with 0.00 points and a 30 year term at 6.00%, the sample estimated monthly payment may be $599.55. |
| 30 Year |
5.50 |
1.75 |
5.936 |
Estimate Payment |
| For example a $100,000 VA Rates mortgage with 1.75 points and a 30 year term at 5.50%, the sample estimated monthly payment may be $557.85. |
| VA Loans are available up to 100% LTV to $417,000.00. |
|
Jumbo Loans
|
| |
| Term | APR | Points | APR | |
| 30 Year |
8.50 |
2.00 |
8.922 |
Estimate Payment |
| For example a $100,000 Jumbo Loans mortgage with 2.00 points and a 30 year term at 8.50%, the sample estimated monthly payment may be $753.54. |
| 30 Year |
7.50 |
3.25 |
8.124 |
Estimate Payment |
| For example a $100,000 Jumbo Loans mortgage with 3.25 points and a 30 year term at 7.50%, the sample estimated monthly payment may be $676.49. |
|
Construction Loans
|
| 95% LTV to $417,000 |
| Term | Rate | Points | APR | |
| 30 Year |
6.50 |
0.00 |
6.545 |
Estimate Payment |
| For example a $100,000 Construction Loans mortgage with 0.00 points and a 30 year term at 6.50%, the sample estimated monthly payment may be $632.07. |
| 30 Year |
6.125 |
1.00 |
6.264 |
Estimate Payment |
| For example a $100,000 Construction Loans mortgage with 1.00 points and a 30 year term at 6.125%, the sample estimated monthly payment may be $601.53. |
| 30 Year |
5.875 |
1.75 |
6.084 |
Estimate Payment |
| For example a $100,000 Construction Loans mortgage with 1.75 points and a 30 year term at 5.875%, the sample estimated monthly payment may be $581.19. |
| 30 Year |
5.50 |
3.25 |
5.846 |
Estimate Payment |
| For example a $100,000 Construction Loans mortgage with 3.25 points and a 30 year term at 5.50%, the sample estimated monthly payment may be $549.34. |
| 15 Year |
6.50 |
0.00 |
6.574 |
Estimate Payment |
| For example a $100,000 Construction Loans mortgage with 0.00 points and a 15 year term at 6.50%, the sample estimated monthly payment may be $871.11. |
| 15 Year |
5.125 |
3.25 |
5.707 |
Estimate Payment |
| For example a $100,000 Construction Loans mortgage with 3.25 points and a 15 year term at 5.125%, the sample estimated monthly payment may be $771.41. |
| 7 YR Balloon |
6.50 |
0.125 |
6.610 |
Estimate Payment |
| For example a $100,000 Construction Loans mortgage with 0.125 points and a 7 year term at 6.50%, the sample estimated monthly payment may be $1,483.09. |
| 7 YR Balloon |
5.50 |
3.00 |
6.141 |
Estimate Payment |
| For example a $100,000 Construction Loans mortgage with 3.00 points and a 7 year term at 5.50%, the sample estimated monthly payment may be $1,393.89. |
All APR calculations are based on $75,000 loan amount with 20% down and applicable prepaid finance charges.
This sheet is for informational purposes only, and is subject to change at anytime.