Home Loan Rates
Effective as of December 2nd, 2024
FIXED FIRST MORTGAGES | ||
TERM | RATE | APR* |
30 year | 0 Points - 6.875% |
0 Points - 6.999% |
30 year | 0.50 Points - 6.500% | 0.50 Points - 6.695% |
30 year - 100% Financing | 0 Points - 7.250% | 0 Points - 7.377% |
30 year - 100% Financing Physician's Loan | 0 Points - 7.125% | 0 Points - 7.251% |
20 year | 0 Points - 6.375% |
0 Points - 6.534% |
20 year | 0.75 Points - 6.125% | 0.75 Points - 6.411% |
15 year | 0 Points - 6.125% |
0 Points - 6.323% |
15 year | 0.75 Points - 5.750% | 0.75 Points - 6.105% |
10 year | 0 Points - 6.000% |
0 Points - 6.279% |
10 year ARM | 0 Points - 6.125% | 0 Points - 6.789% |
7 year ARM | 0 Points - 5.875% | 0 Points - 6.892% |
5 year ARM | 0 Points - 5.625% | 0 Points - 7.009% |
*APR= Annual Percentage Rate. Calculate estimated payment. The monthly payment shown does not include taxes, insurance or other applicable escrows. The actual payment obligation will be greater when these are applied. Annual percentage rates are based upon a $250,000 loan amount and 80% loan-to-value ratio for a conventional loan with no mortgage insurance. Rates and APRs displayed are base rates and do not reflect loan level price adjustments for credit, LTV, income, or other factors. Rates are subject to change at any time. Your interest rate may be different based upon the circumstances of your specific loan. |
Effective as of December 1st, 2024
HOMEFREE HOME LOANS | |||
TERM | RATE | APR* | |
15 year** | as low as | 6.875% |
6.937% |
12 year** | as low as | 6.625% | 6.696% |
10 year** | as low as | 6.500% |
6.582% |
8 year** | as low as | 6.375% | 6.472% |
6 year** | as low as | 6.250% |
6.374% |
*APR=Annual Percentage Rate. APR based on $200,000 loan amount. Calculate estimated payment. |
HOME EQUITY - FIXED | |||
TERM | RATE | APR* | |
5 year, 80% LTV** | as low as | 7.250% |
7.420% |
5 year, 90% LTV** | as low as | 7.750% | 7.932% |
5 year, 95% LTV** | as low as | 8.250% | 8.444% |
10 year, 80% LTV** | as low as | 7.750% | 7.848% |
10 year, 90% LTV** | as low as | 8.250% | 8.355% |
10 year, 95% LTV** | as low as | 8.750% | 8.863% |
15 year, 80% LTV** | as low as | 8.250% | 8.326% |
15 year, 90% LTV** | as low as | 8.750% | 8.832% |
15 year, 95% LTV** | as low as | 9.250% | 9.337% |
*APR=Annual Percentage Rate. APR based on $200,000 loan amount. Calculate estimated payment. |
JUMBO HOME EQUITY - FIXED (OVER 200K) | |||
TERM | RATE | APR* | |
10 year, max. 80% LTV** | as low as | 7.750% | 7.845% |
15 year, max. 80% LTV** | as low as | 8.250% | 8.324% |
*APR=Annual Percentage Rate. APR based on $500,000 loan amount. **Rates are determined by an evaluation of the applicant’s credit and term. Your actual rate may vary. Down payment may be required. Calculate estimated payment. Property and flood insurance may be required. Rates are subject to change. |
HOME EQUITY LINE OF CREDIT | |||
INTRODUCTORY APR FOR 12 MONTHS: 6.49 APR* |
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TERM | APR* | FLOOR RATE | |
80% LTV** | Prime Rate + 0.00%, as low as 7.75% | 3.00% | |
90% LTV** | Prime Rate + 0.25%, as low as 8.00% | 3.25% | |
Jumbo (Over $200K) Max 80% LTV** | Prime Rate + 0.00%, as low as 7.75% | 4.00% | |
*APR=Annual Percentage Rate. The initial rate for the Introductory Rate Home Equity Line of Credit is a fixed rate for 12 months and not based on the index and margin used for the subsequent rate adjustments. For new loans only. |
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