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Mortgage Rates  As of Thursday 7/16/2020 Rates are subject to change at any time.
Adjustable Rate Mortgages (ARMS)
  Term   Rate   APR *
  5/5 ARM   2.75%   2.988%
  15/15 ARM   3.00%   3.206%
  Construction to Perm 5/5 ARM   2.75%   2.988%
  Construction to Perm 15/15 ARM   3.00%   3.206%
        
        
        
        
Rates are based on the representative credit score and LTV. APR disclosed is for "A" credit and may not be applicable to all. * This APR is subject to change based on the mortgage plan selected. *APR is based on a loan amount of $80,000.00 *Minimum loan amount of $20,000.00 for the 5/5 ARM and 15/15 ARM, maximum of $510,400.00. ** Minimum loan amount of $50,000.00 for the 5/5 No Closing ARM, maximum of $510,400.00. ** Minimum loan term is 10 years, maximum loan term is 30 years * 5/5 Year ARM has a 2.00% cap every 5 years, with a 6% lifetime cap. * 15/15 Year ARM has a 6.00% cap every 15 years, with a 6% lifetime cap. * Adjustable Rate Loans are assumable under certain conditions. *The 5/5 year ARMs are based on the 1 year LIBOR index. The 15/15 ARM is based on the 10 year Treasury bill.
Fixed Rate Mortgages (FRMS)
  Term   Rate   APR *
  10 Year Fixed   2.75%   2.947%
  15 Year Fixed   2.75%   2.885%
  20 Year Fixed   2.875%   3.064%
  30 Year Fixed   3.00%   3.134%
Rates are based on the representative credit score and LTV. APR disclosed is for "A" credit and may not be applicable to all. * This APR is subject to change based on the mortgage plan selected. *APR is based on a loan amount of $80,000.00 ** Maximum Purchase & Limited Cash Out Transactions - 97% LTV. Over 95% LTV is subject to additional conditions. Private Mortgage Insurance(PMI) is required on loans over 80% LTV. ** Maximum Cash-Out Refinance - 80% LTV. ** Maximum loan amount is $510,400.00. * Fixed rate loans are fully amortized and the Principle and Interest payment will remain the same during the life of the loan. * Fixed rate loans are not assumable.
First Time Home Buyer (FTHB)
  Term   Rate   APR *
  30 Year Fixed   4.00%   4.047%
Rates are based on the representative credit score and LTV. APR disclosed is for "A" credit and may not be applicable to all. * This APR is subject to change based on the mortgage plan selected. *APR is based on a loan amount of $80,000.00* * Minimum loan amount of $30,000.00 maximum of $510,400.00. * Maximum Purchase Transaction - 97% LTV. PMI is not required. 10, 15 & 20 Year terms are available. * Fixed rate loans are fully amortized and the Principle and Interest payment will remain the same during the life of the loan. * FTHB loans are not assumable.