Mortgage
Rates | Automobile Loan Rates | Savings
Rates
Home Equity/Improvement Rates
Mortgage Rates
Effective: June 30, 2009
| Balloon Mortgages | |||||
|
Rate |
APR |
Points |
Loan-to-Value |
Term |
Payment Example |
|
5.00% |
5.168% |
0 |
80% |
3 Years |
$536.82 |
|
5.00% |
5.108% |
0 |
80% |
5 Years |
$536.82 |
|
5.00% |
5.082% |
0 |
80% |
7 Years |
$536.82 |
|
5.00% |
5.063% |
0 |
80% |
10 Years |
$536.82 |
|
5.625% |
5.640% |
0 |
80% |
10 Year Jumbo |
$2,400.49 |
| All Balloon Loans use a 30-year amortization. Balloon financing can be used for condominiums and townhomes. Maximum loan $417,000, except 10 Year Jumbo Loans.* | |||||
| Fixed Term Mortgages | |||||
|
Rate |
APR |
Points |
Loan-to-Value |
Term |
Payment Example |
|
5.125% |
5.225% |
0 |
80% |
10 Years |
$1,066.78 |
|
5.125% |
5.195% |
0 |
80% |
15 Years |
$797.32 |
|
5.375% |
5.431% |
0 |
80% |
20 Years |
$680.85 |
|
5.375% |
5.422% |
0 |
80% |
25 Years |
$606.65 |
|
5.375% |
5.416% |
0 |
80% |
30 Years |
$559.97 |
| Fixed term mortgages can be used for condominiums and townhomes. Maximum loan $417,000. | |||||
| *Jumbo Single Family Mortgages (Loans $417,000+) | |||||
|
Rate |
APR |
Points |
Loan-to-Value |
Term |
Payment Example |
|
5.75% |
5.767% |
0 |
80% |
15 Years |
$3,462.82 |
|
5.875% |
5.885% |
0 |
80% |
30 Years |
$2,466.72 |
| Appraisal fee may exceed $300.00 due to square footage of the property | |||||
| 2 Units | |||||
|
Rate |
APR |
Points |
Loan-to-Value |
Term |
Payment Example |
|
5.625% |
5.696% |
0 |
80% |
15 Years |
$823.73 |
|
5.75% |
5.798% |
0 |
80% |
25 Years |
$629.11 |
| Maximum loan amount $533,850. | |||||
| 3 Units | |||||
|
Rate |
APR |
Points |
Loan-to-Value |
Term |
Payment Example |
|
5.625% |
5.696% |
0 |
80% |
15 Years |
$823.73 |
| Maximum loan amount $645,300. | |||||
| 4 Units | |||||
|
Rate |
APR |
Points |
Loan-to-Value |
Term |
Payment Example |
|
5.75% |
5.798% |
0 |
80% |
25 Years |
$629.11 |
| Maximum loan amount $801,950. | |||||
| 5 to 6 Units | |||||
|
Rate |
APR |
Points |
Loan-to-Value |
Term |
Payment Example |
|
5.875% |
5.946% |
0 |
80% |
15 Years |
$837.12 |
|
5.875% |
5.932% |
0 |
80% |
20 Years |
$709.24 |
| Maximum loan amount $825,000. | |||||
| 7 to 12 Units | |||||
|
Rate |
APR |
Points |
Loan-to-value |
Term |
Payment Example |
|
6.00% |
6.072% |
0 |
80% |
15 Years |
$843.86 |
|
6.00% |
6.057% |
0 |
80% |
20 Years |
$716.43 |
| Maximum loan amount $875,000. | |||||
| Contact us for Balloon Rates for multi-family properties. | |||||
| All payment example and APR's are based on $100,000 ($417,000 for jumbo loans) loan amounts, with 20% down payment. Property insurance required. Flood insurance may be required. | |||||
| Rates are subject to change, APR = Annual Percentage Rate | |||||
| On-line rates are for information only. While we make every effort to keep them current and accurate, mistakes or typos cannot be honored. | |||||
| The above rates are for loans within the banks market area. Please call for additional information. |
