Real Estate Loan Rates

“Put your tax refund to good use! Finance your Mortgage with us for only 5% Down”*

 

First Mortgages

Effective 3/06/2023

TermsRatesAPR*
1 Year - 5 Years6.000%6.077%
5+ Years - 10 Years6.000%6.041%
10+ Years - 15 Years6.000%6.029%
20 Years6.175%6.199%
30 Years6.375%6.395%

 

*Disclosure: Subject to Private Mortgage Insurance Eligibility for qualified borrowers. Other rules may apply. Mobile Homes excluded. Must be for primary residence.

Second Mortgages

Effective 3/06/2023

TermsRatesAPR*
1 Year - 5 Years
(80% Loan-to-Value)
6.500%6.508%
5+ Years - 10 years
(80% Loan-to-Value)
6.500%6.504%
10+ Years - 15 Years
(80% Loan-to-Value)
6.500%6.503%
---
1 Year - 5 Years
(85% Loan-to-Value)
7.000%7.008%
5+ Years - 10 years
(85% Loan-to-Value)
7.000%7.004%
10+ Years - 15 Years
(85% Loan-to-Value)
7.000%7.008%

 

Rates are subject to change at any time. Rates will be updated on website weekly. Check back often.
* Annual Percentage Rate.
APR based on loan amount of $100,000;0 points; 10 days prepaid interest

 

Home Equity Lines of Credit

Effective 03/06/2023

TermRateAnnual Percentage RateMonthly Payment
RevolvingPrime minus 0.25%7.750%1.50% of the outstanding balance, or $100.00, whichever is greater.

Our Home Equity Line of Credit is a variable rate of Prime Minus .25% for the life of the loan.  The rate is adjusted monthly based on Prime as shown in the Wall Street Journal. The prime rate is 7.75% APR* as of 03/06/2023. Hazard Insurance is required. Flood insurance is required where necessary. No minimum initial advance is required. We will lend up to 85% of the appraised value of your home, minus first mortgage. $5,000 minimum for line of credit. Maximum Annual Percentage Rate is 18.00%.