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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 6.250% 6.379% $4,712.04 0.5 $6.16 2
15-Yr Fixed - As low as 5.250% 5.602% $7,930.21 1.5 $8.04 3
10/1 ARM - As low as 5.625% 6.088% $2,764.26 0 $5.76 1 4
7/1 ARM - As low as 5.500% 6.186% $2,750.69 0 $5.68 1 5
5/1 ARM - As low as 5.375% 6.283% $2,715.45 0 $5.60 1 6
as of 10/08/2025 09:50 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.

Refinance Loan Rates

Loan Type Rate APR Prepaid Fin. Charge Points $/1000
30-Yr Fixed - As low as 6.250% 6.379% $4,712.04 0.5 $6.16 2
15-Yr Fixed - As low as 5.250% 5.602% $7,930.21 1.5 $8.04 3
10/1 ARM - As low as 5.625% 6.088% $2,764.26 0 $5.76 1 4
7/1 ARM - As low as 5.500% 6.186% $2,750.69 0 $5.68 1 5
5/1 ARM - As low as 5.375% 6.283% $2,715.45 0 $5.60 1 6
as of 10/08/2025 09:51 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.

Home Equity Rates

Loan Type Rate APR Prepaid Fin. Charge Points $/1000
Home Equity Line of Credit First Six Months* 4.25% APR Introductory Rate* 4.25% APR Introductory Rate* $0.00 0 $3.49 1 3
Home Equity Line of Credit After Six Months* 7.250% 7.250% $0.00 0 $5.96 2 3
Home Equity Loan 5 Year Fixed - As Low As 6.625% 6.625% $0.00 0 $19.62 4
as of 09/24/2025 10:50 AM

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 This HELOC promotion is available for a limited time only and may be withdrawn or changed at any time. For the first 6 months, serving as an introductory rate. Offer subject to credit approval. An Initial Disbursement of $10,000 will be required at closing to be eligible for this introductory rate. APR is calculated by taking the current Prime rate (currently at 7.25 % as of 9/18/2025) minus 3.00%. Following the initial 6-month period, the rate will adjust based on the Wall Street Journal Prime Rate (currently at 7.50 % as of 12/18/2024)

2 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 7.25%) as published in the Wall Street

3 Home Equity Line term of 10 years of draw and interest only period and 15 years amortizing repayment period totaling 300 monthly payments

4 Home 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 6.250% 6.636% $2,200.00 0 $6.22 3
10/1 ARM - As low as 5.625% 6.059% $2,200.00 0 $5.76 4
7/1 ARM - As low as 5.500% 6.148% $2,200.00 0 $5.68 5
5/1 ARM - As low as 5.375% 6.236% $2,200.00 0 $5.60 6
as of 10/08/2025 09:52 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

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                        
**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 8.750% 8.850% $5,429.17 0 $7.87 2
15-Yr Fixed - As low as 7.250% 7.378% $4,704.17 0 $9.13 3
10/1 ARM - As low as 5.875% 6.322% $4,000.68 0 $5.91 1 4
7/1 ARM - As low as 5.750% 6.419% $3,941.09 0 $5.84 1 5
5/1 ARM - As low as 5.625% 6.517% $3,918.75 0 $5.76 1 6
as of 10/08/2025 09:52 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.

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 5.000% 6.128% $2,259.69 0 $5.37 1
Community Hero 5/5 ARM - As low as 4.875% 6.079% $2,224.60 0 $5.29 2
as of 10/08/2025 09:53 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.

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