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Mortgage Rates

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Mortgage Rates (Fixed)
Effective Date: Saturday, February 24th, 2024
Subject to change. Rates are calculated based on loan purpose, loan-to-value, loan term, loan amount and credit score. See Assumptions and APR section for the pricing scenario for these rates.
Fixed Rate Loans
Conforming and Government
RateAnnual Percentage Rate (APR)
30-Year Fixed 7.125% 7.324%
20-Year Fixed 6.875% 7.131%
15-Year Fixed 6.750% 7.068%
30-Year USDA 7.500% 8.305%
Home Ready 7.500% 7.703%
1-Time Construction (Other) 7.125% 7.324%
30-Year FHA 7.125% 8.216%
30-Year VA 7.125% 7.482%
Lot loans - Please contact our morgtage department for rates    

Mortgage Rates (Adjustable)
Effective Date: Saturday, February 24th, 2024
Subject to change. Rates are calculated based on loan purpose, loan-to-value, loan term, loan amount and credit score. See Assumptions and APR section for the pricing scenario for these rates.
Adjustable-Rate MortgagesMortgage RateAnnual Percentage Rate (APR)
30-Year 1/1 ARM 6.625% 6.818%
15-Year 1/1 ARM 6.500% 6.815%
30-Year 3/1 ARM 6.750% 6.944%
15-Year 3/1 ARM 6.625% 6.941%
30-Year 5/1 ARM 6.875% 7.071%
15-Year 5/1 ARM 6.750% 7.068%
30-Year 5/5 ARM 7.000% 7.197%
15-Year 5/5 ARM 6.875% 7.194%
30-Year 7/1 ARM 7.125% 7.324%
15-Year 7/1 ARM 7.000% 7.320%

Home Equity Rates
Effective Date: Saturday, February 24th, 2024
Subject to change. All rates shown as Annual Percentage Rate (APR).
intentionally empty table headerHome Equity LoanHome Equity Visa Line of Credit*
Amount $5,000 minimum $5,000 minimum
Annual Percentage Rate (APR) As low as 7.74% APR Prime rate + 0% variable rate with 5.99% floor
Early Closure Fee   Fee charged equal to closing fees if closed in the first two years
*Interest rate is adjusted annually.