Fixed Conforming (Loan Amounts up to $701,000)
Effective Date: Thursday, December 1, 2022
Program Name | Rate | Points | Annual Percentage Rate | Monthly Payment per $1,000 Borrowed^ | |
|---|---|---|---|---|---|
| 30 Year Fixed | 6.375% | 0.00% | 6.426% | $6.24 | |
| 25 Year Fixed | 6.375% | 0.00% | 6.432% | $6.67 | |
| 20 Year Fixed | 6.250% | 0.00% | 6.316% | $7.31 | |
| 15 Year Fixed | 5.875% | 0.00% | 5.954% | $8.37 | |
| 10 Year Fixed | 5.750% | 0.00% | 5.861% | $10.98 | |
| Lot Loan** | 6.875% | 1.00% | 7.286% | $8.92 |
Investor Loans available. Contact for information.
Interest rates and terms are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan to value, term, credit score, and other variables. Please call for details.
** 15 year amortization with 5 year balloon. Purchase only.
^ Payments do not include amount for taxes and insurance premiums if applicable and the actual payment obligation will be higher.
SUBJECT TO CREDIT APPROVAL
Adjustable Rate Mortgage (ARM) Conforming (Loan Amounts up to $701,000)
Effective Date: Thursday, December 1, 2022
| Program Name | Rate | Points | Annual Percentage Rate | Monthly Payment per $1,000 Borrowed^ | |
|---|---|---|---|---|---|
| 15/1 ARM years 1-15* | 6.125% | 0.00% | 6.365% | $6.08 | |
| yrs. 16-30 | $6.52 | ||||
| 10/1 ARM years 1-10* | 6.000% | 0.00% | 6.473% | $6.00 | |
| yrs. 11-30 | $6.61 | ||||
| 7/1 ARM years 1-7* | 5.875% | 0.00% | 6.587% | $5.92 | |
| yrs. 8-30 | $6.67 | ||||
| 5/1 ARM years 1-5* | 5.750% | 0.00% | 6.699% | $5.84 | |
| yrs. 6-30 | $6.70 |
Interest rates and terms are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan to value, term, credit score, and other variables. Please call for details.
*ARMs are variable rate loans and the interest rates and payments may increase after consummation. ARM interest rates will adjust after the initial fixed period (15/1 ARM- 180 months; 10/1 ARM- 120 months; 7/1 ARM - 84 months; 5/1 ARM - 60 months) and are based on the U.S. Treasury’s One (1) Year Treasury Constant Maturity Index as published by the Federal Reserve Board plus a margin of 2.50%. The interest rate for the 5/1 ARM will not increase or decrease more than 2% at each rate and payment reset period. The interest rate for the 7/1 ARM, 10/1 ARM and 15/1 ARM will not increase or decrease more than 5% at the first rate and payment reset and not more than 2% at each rate and payment reset period thereafter. All ARM interest rates will not increase or decrease more than 5% over the term of the loan. All ARMs are based on a 30-year term and amortization.
^ Payments do not include amount for taxes and insurance premiums if applicable and the actual payment obligation will be higher.
Jumbo Fixed (Loan Amounts $701,001 to $1,000,000)
Effective Date: Thursday, December 1, 2022
Program Name | Rate | Points | Annual Percentage Rate | Monthly Payment per $1,000 Borrowed^ | |
|---|---|---|---|---|---|
| 30 Year Fixed | 6.250% | 0.00% | 6.286% | $6.16 | |
| 25 Year Fixed | 6.250% | 0.00% | 6.290% | $6.60 | |
| 20 Year Fixed | 6.125% | 0.00% | 6.171% | $7.24 | |
| 15 Year Fixed | 5.750% | 0.00% | 5.805% | $8.30 | |
| 10 Year Fixed | 5.625% | 0.00% | 5.702% | $10.91 |
Interest rates and terms are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan to value, term, credit score, and other variables. Please call for details.
^ Payments do not include amount for taxes and insurance premiums if applicable and the actual payment obligation will be higher.
# Above $1,000,000 other rates and terms may apply.
Jumbo Adjustable Rate Mortgages are also available. Please call for details and current rates.
SUBJECT TO CREDIT APPROVAL
Construction Permanent Loan
Effective Date: Thursday, December 1, 2022
| Program Name | Rate | Points | Annual Percentage Rate | Monthly Payment Per $1,000 Borrowed^ |
|---|---|---|---|---|
| 30 Year Fixed | 6.500% | 1.00% | 6.611% | $6.32 |
12 month construction period followed by a 30 year amortization. Other terms available. Call for additional rate/APR on other terms.
Interest rates and terms are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan to value, term, credit score, and other variables. Please call for details.
^ Payments do not include amount for taxes and insurance premiums if applicable and the actual payment obligation will be higher.
SUBJECT TO CREDIT APPROVAL
