Mortgage Loan Rates
Fixed & Adjustable Rate Mortgage Options
Purchase
Loan Rates
| Loan Type | Rate | APR | Prepaid Fin. Charge | Points | $/1000 |
|---|---|---|---|---|---|
| 30-Yr Fixed - As low as | 6.000% | 6.130% | $4,841.57 | 0.5 | $6.00 2 |
| 15-Yr Fixed - As low as | 5.125% | 5.483% | $8,094.97 | 1.5 | $7.97 3 |
| 10/1 ARM - As low as | 5.750% | 6.132% | $2,999.06 | 0 | $5.84 1 4 |
| 7/1 ARM - As low as | 5.500% | 6.131% | $2,950.69 | 0 | $5.68 1 5 |
| 5/1 ARM - As low as | 5.500% | 6.263% | $2,950.69 | 0 | $5.68 1 6 |
| as of 01/14/2026 10:44 AM |
|
Rates and APRs displayed are subject to change at any time Your rate cannot be determined until you have applied for and have been approved for a loan Assumptions: Loan Amount: $350,000, 60% loan-to-value, Minimum FICO of 720 1 ARM = Adjustable Rate Mortgage. 30- year term The adjustment in the APR for all 10/1, 7/1 and 5/1 mortgages will be made based upon the 1 Year Constant Maturity Treasury ("CMT") rate in effect on the date of adjustment. 2 30-Yr Fixed mortgage totaling 360 monthly payments 3 15-Yr Fixed mortgage totaling 180 monthly payments 4 Mortgage is fixed for 10 years and may increase every 1 year thereafter; Totaling 360 monthly payments 5 Mortgage is fixed for 7 years and may increase every 1 year thereafter; Totaling 360 monthly payments 6 Mortgage is fixed for 5 years and may increase every 1 year thereafter; Totaling 360 monthly payments A mortgage loan consultant will provide and review with you the terms, conditions, disclosures, and additional details on the interest rates that apply to your specific situation. |
Rates and APRs displayed are subject to change at any time
Your rate cannot be determined until you have applied for and have been approved for a loan
Assumptions: Loan Amount: $350,000, 60% loan-to-value, Minimum FICO of 720
1 ARM = Adjustable Rate Mortgage. 30- year term
The adjustment in the APR for all 10/1, 7/1 and 5/1 mortgages will be made based upon the 1 Year Constant Maturity Treasury ("CMT") rate in effect on the date of adjustment.
2 30-Yr Fixed mortgage totaling 360 monthly payments
3 15-Yr Fixed mortgage totaling 180 monthly payments
4 Mortgage is fixed for 10 years and may increase every 1 year thereafter; Totaling 360 monthly payments
5 Mortgage is fixed for 7 years and may increase every 1 year thereafter; Totaling 360 monthly payments
6 Mortgage is fixed for 5 years and may increase every 1 year thereafter; Totaling 360 monthly payments
A mortgage loan consultant will provide and review with you the terms, conditions, disclosures, and additional details on the interest rates that apply to your specific situation.
Refinance Loan Rates
| Loan Type | Rate | APR | Prepaid Fin. Charge | Points | $/1000 |
|---|---|---|---|---|---|
| 30-Yr Fixed - As low as | 6.000% | 6.130% | $4,841.57 | 0.5 | $6.00 2 |
| 15-Yr Fixed - As low as | 5.125% | 5.483% | $8,094.97 | 1.5 | $7.97 3 |
| 10/1 ARM - As low as | 5.750% | 6.132% | $2,999.06 | 0 | $5.84 1 4 |
| 7/1 ARM - As low as | 5.500% | 6.131% | $2,950.69 | 0 | $5.68 1 5 |
| 5/1 ARM - As low as | 5.500% | 6.263% | $2,950.69 | 0 | $5.68 1 6 |
| as of 01/14/2026 10:45 AM |
|
Rates and APRs displayed are subject to change at any time Your rate cannot be determined until you have applied for and have been approved for a loan Assumptions: Loan Amount: $350,000, 60% loan-to-value, Minimum FICO of 720 1 ARM = Adjustable Rate Mortgage. 30- year term The adjustment in the APR for all 10/1, 7/1 and 5/1 mortgages will be made based upon the 1 Year Constant Maturity Treasury ("CMT") rate in effect on the date of adjustment. 2 30-Yr Fixed mortgage totaling 360 monthly payments 3 15-Yr Fixed mortgage totaling 180 monthly payments 4 Mortgage is fixed for 10 years and may increase every 1 year thereafter; Totaling 360 monthly payments 5 Mortgage is fixed for 7 years and may increase every 1 year thereafter; Totaling 360 monthly payments 6 Mortgage is fixed for 5 years and may increase every 1 year thereafter; Totaling 360 monthly payments A mortgage loan consultant will provide and review with you the terms, conditions, disclosures, and additional details on the interest rates that apply to your specific situation. |
Rates and APRs displayed are subject to change at any time
Your rate cannot be determined until you have applied for and have been approved for a loan
Assumptions: Loan Amount: $350,000, 60% loan-to-value, Minimum FICO of 720
1 ARM = Adjustable Rate Mortgage. 30- year term
The adjustment in the APR for all 10/1, 7/1 and 5/1 mortgages will be made based upon the 1 Year Constant Maturity Treasury ("CMT") rate in effect on the date of adjustment.
2 30-Yr Fixed mortgage totaling 360 monthly payments
3 15-Yr Fixed mortgage totaling 180 monthly payments
4 Mortgage is fixed for 10 years and may increase every 1 year thereafter; Totaling 360 monthly payments
5 Mortgage is fixed for 7 years and may increase every 1 year thereafter; Totaling 360 monthly payments
6 Mortgage is fixed for 5 years and may increase every 1 year thereafter; Totaling 360 monthly payments
A mortgage loan consultant will provide and review with you the terms, conditions, disclosures, and additional details on the interest rates that apply to your specific situation.
Home Equity Rates
| Loan Type | Rate | APR | Prepaid Fin. Charge | Points | $/1000 |
|---|---|---|---|---|---|
| Home Equity Line of Credit - As Low As | 6.750% | 6.750% | $0.00 | 0 | $5.55 1 2 |
| Home Equity Loan 5 Year Fixed - As Low As | 6.625% | 6.625% | $0.00 | 0 | $19.62 3 |
| as of 01/07/2026 02:29 PM |
|
Rates and APRs displayed are subject to change at any time Assumptions: Loan Amount $50,000, 80% loan-to-value, minimum FICO of 720 1 The APR calculation shown is based upon a Home Equity Line of Credit in second lien position with a 10-year draw and interest only period followed by a 15-year amortizing repayment period, using the Prime Rate (currently 6.75%) as published in the Wall Street 2 Home Equity Line term of 10 years of draw and interest only period and 15 years amortizing repayment period totaling 300 monthly payments 3Home Equity Loan term of 5 yrs totaling 60 monthly payments If a Full Appraisal or Full Title is required, the borrower must pay those fees as they occur (i.e. Loan amounts greater than $175,000 require Full Appraisal; Loan amounts greater than $175,000 require Full Title) Property insurance is required A mortgage loan consultant will provide and review with you the terms, conditions, disclosures, and additional details on the interest rates that apply to your specific situation. |
Rates and APRs displayed are subject to change at any time
Assumptions: Loan Amount $50,000, 80% loan-to-value, minimum FICO of 720
1 The APR calculation shown is based upon a Home Equity Line of Credit in second lien position with a 10-year draw and interest only period followed by a 15-year amortizing repayment period, using the Prime Rate (currently 6.75%) as published in the Wall Street
2 Home Equity Line term of 10 years of draw and interest only period and 15 years amortizing repayment period totaling 300 monthly payments
3Home Equity Loan term of 5 yrs totaling 60 monthly payments
If a Full Appraisal or Full Title is required, the borrower must pay those fees as they occur (i.e. Loan amounts greater than $175,000 require Full Appraisal; Loan amounts greater than $175,000 require Full Title)
Property insurance is required
A mortgage loan consultant will provide and review with you the terms, conditions, disclosures, and additional details on the interest rates that apply to your specific situation.
Construction Loan Rates
| Loan Type | Rate | APR | Prepaid Fin. Charge | Points | $/1000 |
|---|---|---|---|---|---|
| 15/15 ARM - As low as | 6.375% | 6.746% | $2,400.00 | 0 | $6.30 3 |
| 10/1 ARM - As low as | 5.750% | 6.106% | $2,400.00 | 0 | $5.84 4 |
| 7/1 ARM - As low as | 5.500% | 6.096% | $2,400.00 | 0 | $5.68 5 |
| 5/1 ARM - As low as | 5.500% | 6.221% | $2,400.00 | 0 | $5.68 6 |
| as of 01/14/2026 10:46 AM |
|
Rates and APRs displayed are subject to change at any time Your rate cannot be determined until you have applied for and have been approved for a loan Assumptions: Loan Amount: $350,000, 60% loan-to-value, Minimum FICO of 720 All construction loans include a 1-year interest-only period followed by a 30-year term 1 The adjustment in the APR for all 15/15 mortgages will be made based upon the 10 Year Constant Maturity Treasury ("CMT") rate in effect on the date of adjustment. 2 The adjustment in the APR for all 10/1, 7/1 and 5/1 mortgages will be made based upon the 1 Year Constant Maturity Treasury ("CMT") rate in effect on the date of adjustment. 3 Mortgage is fixed for 15 years and may increase once thereafter; Totaling 360 monthly payments 4 Mortgage is fixed for 10 years and may increase every 1 year thereafter; Totaling 360 monthly payments 5 Mortgage is fixed for 7 years and may increase every 1 year thereafter; Totaling 360 monthly payments |
Rates and APRs displayed are subject to change at any time
Your rate cannot be determined until you have applied for and have been approved for a loan
Assumptions: Loan Amount: $350,000, 60% loan-to-value, Minimum FICO of 720
All construction loans include a 1-year interest-only period followed by a 30-year term
1 The adjustment in the APR for all 15/15 mortgages will be made based upon the 10 Year Constant Maturity Treasury ("CMT") rate in effect on the date of adjustment.
2 The adjustment in the APR for all 10/1, 7/1 and 5/1 mortgages will be made based upon the 1 Year Constant Maturity Treasury ("CMT") rate in effect on the date of adjustment.
3 Mortgage is fixed for 15 years and may increase once thereafter; Totaling 360 monthly payments
4 Mortgage is fixed for 10 years and may increase every 1 year thereafter; Totaling 360 monthly payments
5 Mortgage is fixed for 7 years and may increase every 1 year thereafter; Totaling 360 monthly payments
Land Loan Rates
| Loan Type | Rate | APR | Prepaid Fin. Charge | Points | $/1000 |
|---|---|---|---|---|---|
| 5-Yr Balloon - As low as | 7.250% | 7.250% | $0.00 | 0 | $7.55 |
| as of 09/23/2025 07:46 PM |
|
*The APR calculation shown is based upon a 5-year fixed rate mortgage, amortized over 25 years, with a balloon payment at the end of 5-years of $92,762.10 |
*The APR calculation shown is based upon a 5-year fixed rate mortgage, amortized over 25 years, with a balloon payment at the end of 5-years of $92,762.10
**Assumptions: Loan Amount $100,000, 65% loan-to-value, minimum FICO of 720
A mortgage loan consultant will review and provide you with the terms, conditions,
disclosures, and additional details on the interest rates that apply to your specific situation.
Jumbo Loan Rates
| Loan Type | Rate | APR | Prepaid Fin. Charge | Points | $/1000 |
|---|---|---|---|---|---|
| 30-Yr Fixed - As low as | 8.625% | 8.783% | $5,568.75 | 0 | $7.78 2 |
| 15-Yr Fixed - As low as | 7.125% | 7.259% | $4,943.75 | 0 | $9.06 3 |
| 10/1 ARM - As low as | 6.000% | 6.365% | $4,260.27 | 0 | $5.99 1 4 |
| 7/1 ARM - As low as | 5.750% | 6.363% | $4,141.09 | 0 | $5.84 1 5 |
| 5/1 ARM - As low as | 5.750% | 6.495% | $4,179.17 | 0 | $5.84 1 6 |
| as of 01/14/2026 10:46 AM |
|
Rates and APRs displayed are subject to change at any time Your rate cannot be determined until you have applied for and have been approved for a loan Assumptions: Loan Amount: $600,000, 60% loan-to-value, Minimum FICO of 720 1 ARM = Adjustable Rate Mortgage. 30- year term The adjustment in the APR for all 10/1, 7/1 and 5/1 mortgages will be made based upon the 1 Year Constant Maturity Treasury ("CMT") rate in effect on the date of adjustment. 2 30-Yr Fixed mortgage totaling 360 monthly payments 3 15-Yr Fixed mortgage totaling 180 monthly payments 4 Mortgage is fixed for 10 years and may increase every 1 year thereafter; Totaling 360 monthly payments 5 Mortgage is fixed for 7 years and may increase every 1 year thereafter; Totaling 360 monthly payments 6 Mortgage is fixed for 5 years and may increase every 1 year thereafter; Totaling 360 monthly payments A mortgage loan consultant will provide and review with you the terms, conditions, disclosures, and additional details on the interest rates that apply to your specific situation. |
Rates and APRs displayed are subject to change at any time
Your rate cannot be determined until you have applied for and have been approved for a loan
Assumptions: Loan Amount: $600,000, 60% loan-to-value, Minimum FICO of 720
1 ARM = Adjustable Rate Mortgage. 30- year term
The adjustment in the APR for all 10/1, 7/1 and 5/1 mortgages will be made based upon the 1 Year Constant Maturity Treasury ("CMT") rate in effect on the date of adjustment.
2 30-Yr Fixed mortgage totaling 360 monthly payments
3 15-Yr Fixed mortgage totaling 180 monthly payments
4 Mortgage is fixed for 10 years and may increase every 1 year thereafter; Totaling 360 monthly payments
5 Mortgage is fixed for 7 years and may increase every 1 year thereafter; Totaling 360 monthly payments
6 Mortgage is fixed for 5 years and may increase every 1 year thereafter; Totaling 360 monthly payments
A mortgage loan consultant will provide and review with you the terms, conditions, disclosures, and additional details on the interest rates that apply to your specific situation.
First Time Home Buyer Loan Rates
| Loan Type | Rate | APR | Prepaid Fin. Charge | Points | $/1000 |
|---|---|---|---|---|---|
| First Time Home Buyer 5/5 ARM - As low as | 5.125% | 6.177% | $2,345.07 | 0 | $5.44 1 |
| Community Hero 5/5 ARM - As low as | 5.000% | 6.129% | $2,309.69 | 0 | $5.37 2 |
| as of 01/14/2026 10:47 AM |
|
Rates and APRs displayed are subject to change at any time Your rate cannot be determined until you have applied for and have been approved for a loan Assumptions: Loan Amount: $350,000, 60% loan-to-value, Minimum FICO of 720 ARM = Adjustable Rate Mortgage. 30- year term The adjustment in the APR for all 5/5 mortgages will be made based upon the 5 Year Constant Maturity Treasury ("CMT") rate in effect on the date of adjustment. 1 Mortgage is fixed for 5 years and may increase every 5 year thereafter; Totaling 360 payments A mortgage loan consultant will provide and review with you the terms, conditions, disclosures, and additional details on the interest rates that apply to your specific situation. |
Rates and APRs displayed are subject to change at any time
Your rate cannot be determined until you have applied for and have been approved for a loan
Assumptions: Loan Amount: $350,000, 60% loan-to-value, Minimum FICO of 720
ARM = Adjustable Rate Mortgage. 30- year term
The adjustment in the APR for all 5/5 mortgages will be made based upon the 5 Year Constant Maturity Treasury ("CMT") rate in effect on the date of adjustment.
1 Mortgage is fixed for 5 years and may increase every 5 year thereafter; Totaling 360 payments
A mortgage loan consultant will provide and review with you the terms, conditions, disclosures, and additional details on the interest rates that apply to your specific situation.
