Mortgage & Home Equity Rates*
Page last updated on September 2, 2010
1-4 Family - In House | 1-4 Family - Secondary Market | Home Equity Loans | Mobile Home
|
In House 1-4 Family - First and Second Homes
|
| Loan Type |
Maximum |
Term Points |
Interest Rate |
APR |
Caps |
P&I per $1,000 |
| First and Second Homes - In House Adjustable Rate Programs |
| 1 Year ARM |
30 Years |
0 |
3.000% |
3.490% |
2/6 |
$ 4.22 |
| 3/1 Year ARM |
30 Years |
0 |
3.250% |
3.480% |
2/6 |
$ 4.35 |
| 5/1 Year ARM |
30 Years |
0 |
4.125% |
4.160% |
2/6 |
$ 4.85 |
| 7/1 Year ARM |
30 Years |
0 |
4.500% |
4.530% |
2/6 |
$ 5.07 |
| Primary Residences - In House Fixed Rate Programs |
| Fixed Rate |
15 Years |
0 |
4.625% |
4.680% |
N/A |
$ 7.71 |
| Fixed Rate |
30 Years |
0 |
5.000% |
5.030% |
N/A |
$ 5.37 |
| First Time Home Buyers - Special programs may be available. Call for details. |
|
Secondary Market 1-4 Family - First and Second Homes - Fixed Rates
|
|
Loan Type
|
Maximum
|
Term Points
|
Interest Rate
|
APR
|
Caps
|
P&I
per
$1000
|
| Fixed Rate |
15 Years |
0.000 |
3.750% |
3.807% |
N/A |
$ 7.27 |
| Fixed Rate |
15 Years |
1.500 |
3.375% |
3.653% |
N/A |
$ 7.09 |
| Fixed Rate |
30 Years |
0.000 |
4.250% |
4.283% |
N/A |
$ 4.92 |
| Fixed Rate |
30 Years |
1.625 |
3.875% |
4.043% |
N/A |
$ 4.70 |
|
Home Equity Loans
|
| Loan Type |
Maximum |
Term Points |
Interest Rate |
APR |
Caps |
P&I per $1,000 |
| 1 Year ARM Line of Credit |
10 Years |
0 |
4.250% |
5.000% |
2/6 |
$10.24 |
| 10 Year Fixed Conventional |
10 Years |
0 |
5.750% |
5.772% |
N/A |
$10.98 |
| 20 Year Fixed Conventional |
20 Years |
0 |
6.500% |
6.513% |
N/A |
$ 7.46 |
|
Mobile Home Rates
|
| Loan Type |
Maximum |
Margin |
Interest Rate |
APR |
Caps |
P&I per $1,000 |
| Mobile Homes on Land - Minimum Down Payment: 20% |
| 5/3 Year ARM |
25 Years |
4.250% |
5.250% |
5.220% |
2/6 |
$ 5.99 |
| 7/1 Year ARM |
25 Years |
4.000% |
5.500% |
5.090% |
2/6 |
$ 6.14 |
| 15 Year Fixed |
15 Years |
N/A |
5.625% |
5.690% |
N/A |
$ 8.24 |
Mobile Homes in Parks/on Leased Land (used or new) -
Minimum Down Payment: 20% |
| 5/3 Year ARM |
20 Years |
4.250% |
6.125% |
5.610% |
2/6 |
$ 7.24 |
| 7/1 Year ARM |
20 Years |
4.000% |
6.500% |
5.830% |
2/6 |
$ 7.46 |
| 10 Year Fixed |
10 Years |
N/A |
6.875% |
6.960% |
N/A |
$11.55 |