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Home Loan Rates

Table data for Conventional Mortgage
 Rates effective 12-21-2024
Term Rate* APR** Alert Me
15 Year Fixed 5.875% 6.127% Receive a notification when this rate changes
20 Year Fixed 6.375% 6.579% Receive a notification when this rate changes
30 Year Fixed 6.500% 6.656% Receive a notification when this rate changes
5/6 ARM 5.875% 6.828% Receive a notification when this rate changes
7/6 ARM 6.000% 6.719% Receive a notification when this rate changes
ARM = Adjustable Rate Mortgage. Interest rates and payments may increase after consummation. After the initial fixed-rate period, your interest rate can increase or decrease every 6 months according to the 30 day average SOFR index.

*Rates are subject to change without notice and are based on a 45-day lock in period. These rates are for example purposes only and are not to enter into a loan agreement at a specified interest rate.
**APR = Annual Percentage Rate. The APR is based on a $100,000 mortgage with a .75% origination fee and a 20% down payment.

Refinance rates may differ. Please contact us for rates and fees on loans over $766,550.

Table data for Home Equity Line of Credit (Variable Rate)
 Rates effective 12-21-2024
Maximum Loan to Value Draw Period APR* Loan Limits Alert Me
80% 15 Years 7.75% Min $5,000; Max $250,000 Receive a notification when this rate changes
Minimum payment is $15 per thousand or $50 per month, whichever amount is greater. Initial advance must be at least $5,000, after that, $100. When an advance is given, the new payment amount is disclosed on the receipt.
Closing costs ranging from $0–$1,000 may be charged for a Home Equity loan.

*APR = Annual Percentage Rate. The variable loan rate is subject to change the first day of each calendar month, based on the external prime lending rate index published in "The Wall Street Journal" in effect at the close of the fifteenth day of the preceding month (i.e., July 1-31, the rate would be determined based on the June 15 prime rate). Any rate change will affect existing balances as well as future advances. The maximum rate is 16.00%
Table data for Home Equity Loan
 Rates effective 12-21-2024
Maximum Loan to Value Maximum Term APR as low as* Loan Limits Alert Me
80% 5 Years 6.49% Min $5,000; Max $300,000 Receive a notification when this rate changes
80% 10 Years 6.69% Min $5,000; Max $300,000 Receive a notification when this rate changes
80% 15 Years 6.99% Min $5,000; Max $300,000 Receive a notification when this rate changes
100% 5 Years 7.49% Min $5,000; Max $250,000 Receive a notification when this rate changes
100% 10 Years 7.79% Min $5,000; Max $250,000 Receive a notification when this rate changes
100% 15 Years 7.99% Min $5,000; Max $250,000 Receive a notification when this rate changes
Rates are accurate as of specified date and are subject to change without notice.
Closing costs ranging from $0–$1,000 may be charged for a Home Equity loan.

*APR = Annual Percentage rate. Actual rate is based on applicant's credit history
Table data for First Lien Home Equity Loan Fixed
 Rates effective 12-21-2024
Maximum Loan to Value Maximum Term APR as low as* Loan Limits Alert Me
80% 10 Years 6.59% Min $5,000; Max $400,000 Receive a notification when this rate changes
80% 15 Years 6.89% Min $5,000; Max $400,000 Receive a notification when this rate changes
Rates are accurate as of specified date and are subject to change without notice.
Closing costs ranging from $0–$1,000 may be charged for a Home Equity loan.

*APR = Annual Percentage Rate. Actual rate is based on applicant's credit history.

Table data for Lot Loan
 Rates effective 12-21-2024
Term Rate* APR** Alert Me
5 Year Fixed 7.590% 7.908% Receive a notification when this rate changes
10 Year Fixed 8.490% 8.665% Receive a notification when this rate changes
Available in Arizona, Florida, Iowa, Minnesota and Wisconsin.

*Rates are accurate as of specified date and are subject to change without notice.
**APR = Annual Percentage Rate. APR is based on a $100,000 loan with a .75% origination fee.