Mortgage & Home Equity Rates*
Page last updated on January 30, 2012
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% |
3.380% |
2/6 |
$ 4.22 |
| 3/1 Year ARM |
30 Years |
0 |
3.250% |
3.380% |
2/6 |
$ 4.35 |
| 5/1 Year ARM |
30 Years |
0 |
3.500% |
3.530% |
2/6 |
$ 4.49 |
| 7/1 Year ARM |
30 Years |
0 |
4.250% |
4.280% |
2/6 |
$ 4.92 |
| 10/1 Year ARM |
30 Years |
0 |
4.625% |
4.660% |
2/6 |
$ 5.14 |
| Primary Residences- Home Purchase Special |
| 10/1 Year ARM Purchase Only |
30 Years |
0 |
4.250 |
4.280 |
2/6 |
$4.92 |
| 10/1 Year ARM FTHB** |
30 Years |
0 |
4.000 |
4.000 |
1/5 |
$4.77 |
| Primary Residences - In House Fixed Rate Programs |
| Fixed Rate |
15 Years |
0 |
4.00% |
4.060% |
N/A |
$ 7.40 |
| Fixed Rate |
10 Years |
0 |
3.50% |
3.580% |
N/A |
$ 9.89 |
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|
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 |
3.000% |
3.056% |
N/A |
$6.91 |
| Fixed Rate |
30 Years |
0 |
3.625% |
3.657% |
N/A |
$4.56 |
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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 |
4.500% |
5.000% |
2/6 |
$10.36 |
| 10 Year Fixed Conventional |
10 Years |
0 |
4.990% |
5.013% |
N/A |
$10.60 |
| 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% |
4.500% |
4.760% |
2/6 |
$ 5.56 |
| 7/1 Year ARM |
25 Years |
4.000% |
5.250% |
5.180% |
2/6 |
$ 5.99 |
| 15 Year Fixed |
15 Years |
N/A |
5.000% |
5.060% |
N/A |
$ 7.91 |
Mobile Homes in Parks/on Leased Land (used or new) -
Minimum Down Payment: 20% |
| 5/3 Year ARM |
20 Years |
4.250% |
5.550% |
5.290% |
2/6 |
$ 6.88 |
| 7/1 Year ARM |
20 Years |
4.000% |
6.250% |
5.850% |
2/6 |
$ 7.31 |
| 10 Year Fixed |
10 Years |
N/A |
5.500% |
5.590% |
N/A |
$10.85 |