| Conventional & Government Mortgages |
| Effective Date: Tuesday, January 21st, 2025 |
| Conventional & Government Mortgages |
| Click Here to View Today's Conventional and Rural Development Rates |
| Closed End Home Equity Loans |
| Effective Date: Tuesday, January 21st, 2025 |
| Term | Credit Score | Fixed Interest Rate | APR |
| Home Equity Loan Closed End |
| 5 Years |
750+ |
8.250% |
8.279% |
| |
700-749 |
8.500% |
8.529% |
| |
675-699 |
8.750% |
8.779% |
| |
674- |
9.000% |
9.029% |
| Maximum LTV 80% (75% for Manufactured, 50% for Investment Properties*) |
| Home Equity Loan Closed End |
| 10 Years |
750+ |
8.500% |
8.529% |
| |
700-749 |
8.750% |
8.779% |
| |
675-699 |
9.000% |
9.029% |
| |
674- |
9.250% |
9.279% |
| Maximum LTV 80% (75% for Manufactured, 50% for Investment Properties*) |
| Interest Rates Based on Credit Score at Time of Application. Applicants Must Meet Underwriting Guidelines to be Approved. APR is Calculated Based Upon Refinance Loan Amount of $100,000 with a 15 Year Amortization. * Maximum Loan Amount $50,000. * Balloon Options Available. |
| Jumbo/Portfolio Rates |
| Effective Date: Tuesday, January 21st, 2025 |
| Maximum Term | Credit Score | Interest Rate | APR |
| 60 Months (5 years) Balloon |
750+ |
8.250% |
8.347% |
| |
700-749 |
8.500% |
8.600% |
| |
675-699 |
8.750% |
8.850% |
| |
674- |
9.000% |
9.101% |
| 120 Months (10 years) Balloon |
| |
750+ |
8.500% |
8.600% |
| |
700-749 |
8.750% |
8.850% |
| |
675-699 |
9.000% |
9.101% |
| |
674- |
9.250% |
9.353% |
| Interest Rates Based on Credit Score at Time of Application. Applicants Must Meet Underwriting Guidelines to be Approved. Unless Otherwise Noted, APR is Calculated Based Upon Refinance Loan Amount of $150,000 with a 30 Year Amortization. Maximum Loan to Value is 80% (75% for manufactured homes). Maximum Amortization 360 Months. |
