LOANS RATES
Rates effective as of 12/12/2025
Please contact us for information on our First Time Homebuyer program.
Please contact us for information on our First Time Homebuyer program.
Mortgages - Owner Occupied/Permanent Construction
Type |
Term |
Interest Rate % |
Annual Percentage Rate % |
1 Year Adj. |
30 Years |
5.00 |
5.085 (1) |
3 Year Adj. |
30 Years |
5.25 |
5.337 (2) |
5 Year Adj. |
30 Years |
5.50 |
5.588 (3) |
Fixed |
15 Years |
6.30 |
6.453 (4) |
Fixed |
20 Years |
6.60 |
6.723 (5) |
Fixed |
28 Years |
6.75 |
6.849 (6) |
Fixed/ Single Payment |
6 Months |
6.45 |
6.632 (7) |
10/30 Fixed |
10 Year Balloon |
6.30 |
6.439 (8) |
Balloon loans calculated at 30 Year Amortization.
(1) APR is based on a loan of $150,000.00 for 30 yrs / pmt of $805.23
(2) APR is based on a loan of $150,000.00 for 30 yrs / pmt of $828.31
(3) APR is based on a loan of $150,000.00 for 30 yrs / pmt of $851.68
(4) APR is based on a loan of $150,000.00 for 15 yrs / pmt of $1,290.23
(5) APR is based on a loan of $150,000.00 for 20 yrs / pmt of $1,127.21
(6) APR is based on a loan of $150,000.00 for 28 yrs / pmt of $994.84
(7) APR is based on a loan of $150,000.00 for 6 mos / pmt of $154,756.88
(8) APR is based on a loan of $150,000.00 for 30 yrs / pmt of $928.46
(1) APR is based on a loan of $150,000.00 for 30 yrs / pmt of $805.23
(2) APR is based on a loan of $150,000.00 for 30 yrs / pmt of $828.31
(3) APR is based on a loan of $150,000.00 for 30 yrs / pmt of $851.68
(4) APR is based on a loan of $150,000.00 for 15 yrs / pmt of $1,290.23
(5) APR is based on a loan of $150,000.00 for 20 yrs / pmt of $1,127.21
(6) APR is based on a loan of $150,000.00 for 28 yrs / pmt of $994.84
(7) APR is based on a loan of $150,000.00 for 6 mos / pmt of $154,756.88
(8) APR is based on a loan of $150,000.00 for 30 yrs / pmt of $928.46
Line of Credit
Type |
Annual Percentage Rate % |
80% Equity |
Prime Rate plus 1.625% |
90% Equity |
Prime Rate plus 2.625% |
