

Mortgages
Product | Term | Rate | APR | Points | Monthly Payment (per $1000 borrowed) |
---|---|---|---|---|---|
Mortgages - Purchases and Refinances | 10-year Fixed | 5.875% | 6.162% | 0.000% | $11.04 |
15-year Fixed | 6.000% | 6.204% | 0.000% |
$8.44 | |
20-year Fixed | 6.500% | 6.668% | 0.000% | $7.46 |
|
30-year Fixed | 6.625% | 6.804% | 0.500% | $6.40 | |
30-year Fixed | 6.750% | 6.881% | 0.000% | $6.49 | |
Important Loan Disclosure
Advertised APR is based on a $200,000 loan amount and other loan assumptions, your actual APR may differ. Payments shown reflect principal and interest only, but does not include taxes and insurance; your actual payment obligation will be greater. The maximum Loan-to-Value (LTV) ratio for purchases is up to 97% (Other limits may apply). LTVs in excess of 80% (borrowers making a down payment of less than 20%) require private mortgage insurance (PMI) which will increase the monthly payment and APR. For 15, 20, 30-Year Purchase/Refinance, the maximum loan amount for published rates is $1,000,000 (loans in excess of $1,000,000 are available; please call for rates, terms and conditions).
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First-Time Homebuyer | 30-year Fixed |
6.500% |
6.602% |
0.000% |
$6.32 |
Important Loan Disclosure
Advertised APR is based on a $291,000 Loan amount and other assumptions, your actual APR may differ. Payment shown reflects principal and interest only and do not include taxes and insurance: your actual payment obligation will be greater. The maximum Loan-to-Value (LTV) ratio is 97% with no private mortgage insurance (PMI) required (other limits may apply). The maximum purchase price is $300,000. Subject to income limits.
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Adjustable Rate Mortgages - Purchases and Refinances | 5/1 ARM Variable | 5.875% | 7.116% | 0.000% |
$5.92/60 mos.
$7.02/300 mos./
|
7/1 ARM Variable | 6.000% |
6.960% | 0.000% |
$6.00/84 mos.
$6.97/276
mos.
|
|
10/1 ARM Variable | 6.250% |
6.876% |
0.000% |
$6.16/120 mos.
$6.92/240 mos.
|
|
15/1 ARM Variable | 6.500% |
6.833% |
0.000% |
$6.32/180 mos.
$6.83/180 mos.
|
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Important Loan Disclosure
Adjustable Rate Mortgage (ARM) interest rates and APRs are variable and may increase after consummation. ARM Term indicates the initial fixed-rate period and the frequency of rate and payment resets thereafter (e.g. 5/1 ARM – means the first rate and payment reset will occur 5 years after consummation and annually thereafter). Payments shown reflect principal and interest only and do not include taxes and insurance; your actual payment obligation will be greater. The maximum Loan-to-Value (LTV) ratio for purchases is up to 97% (Other limits may apply). LTVs in excess of 80% (borrowers making a down payment of less than 20%) require private mortgage insurance (PMI) which will increase the monthly payment and APR. The maximum loan amount for published rates is $1,000,000 (loans in excess of $1,000,000 are available; please call for rates, terms and conditions). ARM APRs 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 (as published 2.75%). The APR will not increase or decrease more than 2% at each rate and payment reset period; or more than 5% over the term of the loan. All ARMs are based on a 30-year term. |
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Construction/Permanent | 12-Month (Interest Only) 15-Year (Principal & Interest) |
6.250%
6.250%
|
7.087% | 0.500% | $8.57 |
12-Month (Interest Only) 20-Year (Principal & Interest) |
6.625%
6.625%
|
7.329% | 0.500% | $7.53 | |
12-Month (Interest Only) 30-Year (Principal & Interest) |
6.875%
6.875%
|
7.433% | 0.500% | $6.57 | |
Important Loan Disclosure
The 12-Month term reflects the construction phase of the loan and the 2nd term reflects the permanent mortgage. Advertised APR is based on a $200,000 loan amount, other loan assumptions, and is blended reflecting both terms; your actual APR may differ. Payments shown reflect principal and interest only and do not include taxes and insurance; your actual payment obligation will be greater. The maximum Loan-to-Value (LTV) ratio is 80%. The maximum loan amount for published rates is $1,000,000 (loans in excess of $1,000,000 are available; please call for rates, terms and conditions). |
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Individual Developed Lots | 5-year Fixed | 8.375% | 9.473% | 1.000% | $20.46 |
10-year Fixed | 8.625% | 9.228% | 1.000% | $12.47 | |
Important Loan Disclosure
Advertised APR is based on a $150,000 loan amount and other loan assumptions; your actual APR may differ. The maximum Loan-to-Value (LTV) ratio is 75%. The maximum loan amount is $150,000. |