Residential Loan Rates

Calculate Loan Rates

Residential First Mortgage

Owner Occupied | Fixed Rate

Type

Term

Interest Rate

APR*

Payment per $1,000

Additional Info

10 Year Fixed

10

2.500%

2.823%

$9.43

0 points

15 Year Fixed

15

2.500%

2.721%

$6.67

0 points

15 Year Fixed Bi-Weekly

15

2.500%

2.739%

$3.37

0 points

20 Year Fixed

20

2.875%

3.048%

$5.48

0 points

25 Year Fixed

25

3.000%

3.144%

$4.74

0 points

30 Year Fixed

30

3.125%

3.250%

$4.28

0 points

30 Year Fixed Bi-Weekly

30

3.125%

3.262%

$2.14

0 points

Owner Occupied Max LTV: 80% up to $750,000; 75% $750,001 to $2MM; 70% for loans above $2MM. Condo/Townhouse reduce the stated LTV’s by 5% Down payments of less than 20% require PMI, (90% max LTV) resulting in higher payments and APR. MI can only be used for loans up to conforming and super conforming limits.

Cash Out Refinance transactions add 0.125% to the above stated rates.

Adjustable Rate

Type

Term

Interest Rate

APR*

Payment per $1,000

Additional Info

1/1/30 ARM

30

1.750%

2.907%

$3.57

0 points

3/1/30 ARM

30

2.250%

2.859%

$3.82

0 points

5/1/30 ARM

30

2.500%

2.867%

$3.95

0 points

5/5/30 ARM

30

2.750%

3.036%

$4.08

0 points

7/1/30 ARM

30

2.875%

2.997%

$4.15

0 points

10/1/30 ARM

30

3.250%

3.376%

$4.35

0 points

Owner Occupied Max LTV: 80% up to $750,000; 75% $750,001 to $2MM; 70% for loans above $2MM. Condo/Townhouse reduce the stated LTV’s by 5% Down payments of less than 20% require PMI, (90% max LTV) resulting in higher payments and APR. MI can only be used for loans up to conforming and super conforming limits.

Cash Out Refinance transactions add 0.125% to the above stated rates.

Investment Property | Fixed Rate

Type

Term

Interest Rate

APR*

Payment per $1,000

Additional Info

10 Year Fixed

10

3.250%

3.584%

$9.77

0 points

15 Year Fixed

15

3.375%

3.606%

$7.09

0 points

20 Year Fixed

20

3.500%

3.681%

$5.80

0 points

25 Year Fixed

25

3.875%

4.029%

$5.21

0 points

30 Year Fixed

30

4.000%

4.134%

$4.77

0 points

Max LTV of 70%

*APR= Annual Percentage Rate. APR based on a $100,000 loan.

Cash Out Refinance transactions add 0.125% to the above stated rates.

Rates valid on Conforming and Super Conforming Loans. Please visit the following link to see current limits.  https://www.fhfa.gov/DataTools/Downloads/Pages/Conforming-Loan-Limits.aspx

Jumbo Residential First Mortgage

Owner Occupied | Fixed Rate

Type

Term

Interest Rate

APR*

Payment per $1,000

Additional Info

10 Year Fixed

10

2.625%

2.950%

$9.48

0 points

15 Year Fixed

15

2.625%

2.847%

$6.73

0 points

15 Year Fixed Bi-Weekly

15

2.625%

2.866%

$3.34

0 points

20 Year Fixed

20

2.875%

3.048%

$5.48

0 points

25 Year Fixed

25

2.875%

3.018%

$4.68

0 points

30 Year Fixed

30

2.875%

2.997%

$4.15

0 points

30 Year Fixed Bi-Weekly

30

2.875%

3.009%

$2.08

0 points

Owner Occupied Max LTV: 80% up to $750,000; 75% $750,001 to $2MM; 70% for loans above $2MM. Condo/Townhouse reduce the stated LTV’s by 5% Down payments of less than 20% require PMI, (90% max LTV) resulting in higher payments and APR. MI can only be used for loans up to conforming and super conforming limits.

Cash Out Refinance transactions and loan amounts over $1,500,000 add 0.125% to the above stated rates.

Adjustable Rate

Type

Term

Interest Rate

APR*

Payment per $1,000

Additional Info

1/1/30 ARM

30

1.875%

2.917%

$3.63

0 points

3/1/30 ARM

30

2.375%

2.887%

$3.89

0 points

5/1/30 ARM

30

2.625%

2.910%

$4.02

0 points

5/5/30 ARM

30

2.875%

3.080%

$4.15

0 points

7/1/30 ARM

30

3.000%

3.123%

$4.22

0 points

10/1/30 ARM

30

3.375%

3.502%

$4.42

0 points

Owner Occupied Max LTV: 80% up to $750,000; 75% $750,001 to $2MM; 70% for loans above $2MM. Condo/Townhouse reduce the stated LTV’s by 5% Down payments of less than 20% require PMI, (90% max LTV) resulting in higher payments and APR. MI can only be used for loans up to conforming and super conforming limits.

Cash Out Refinance transactions and loan amounts over $1,500,000 add 0.125% to the above stated rates.

Investment Property | Fixed Rate

Type

Term

Interest Rate

APR*

Payment per $1,000

Additional Info

10 Year Fixed

10

3.750%

4.091%

$10.01

0 points

15 Year Fixed

15

3.875%

4.113%

$7.33

0 points

20 Year Fixed

20

4.000%

4.186%

$6.06

0 points

25 Year Fixed

25

4.375%

4.534%

$5.49

0 points

30 Year Fixed

30

4.500%

4.640%

$5.07

0 points

Max LTV of 70%

*APR= Annual Percentage Rate. APR based on a $100,000 loan.

Cash Out Refinance transactions and loan amounts over $1,500,000 add 0.125% to the above stated rates.

Rates valid on Jumbo Loans. Please visit the following link to see current limits. https://www.fhfa.gov/DataTools/Downloads/Pages/Conforming-Loan-Limits.aspx 

 

 

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