LOANS RATES

Rates effective as of 9/19/2024

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	5.75	5.839 (3)
Fixed	15 Years	6.55	6.704 (4)
Fixed	20 Years	6.85	6.974 (5)
Fixed	28 Years	7.00	7.100 (6)
Fixed/ Single Payment	6 Months	6.45	6.632 (7)
10/30 ​Fixed	10 Year Balloon	6.55	6.691 (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 $875.36
(4) APR is based on a loan of $150,000.00 for 15 yrs / pmt of $1,310.79
(5) APR is based on a loan of $150,000.00 for 20 yrs / pmt of $1,149.48
(6) APR is based on a loan of $150,000.00 for 28 yrs / pmt of $1,019.41
(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 $953.04

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Line of Credit

Type	Annual Percentage Rate %
80% Equity	Prime Rate plus 1.625%
90% Equity	​Prime Rate plus 2.625%