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Purchase, refi, construction, rehab

Please call 401-729-4060 for First Time Homebuyer, Purchase Mortgage Special, and Construction products and rates.

FHA Loans

Mortgages insured by the Federal Housing Administration.

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30 yr
Call for today's rates.

Adjustable Rate (ARM)

Mortgage loans with an initial fixed interest rate that changes to variable over the life of the loan.

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Term
Rate (APR)
Points
10/1
2.875% (2.894%)
0 points
5/5
2.750% (3.440%)
0 points
5/1
2.625% (2.741%)
0 points
3/3
2.750% (3.358%)
0 points

Fixed Rate up to $548,250

Mortgage loans with an interest rate that doesn’t change through the life of the loan.

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Term
Rate (APR)
Points
30 yr
2.875% (3.155%)
2 points
3.000% (3.200%)
1 points
3.125% (3.246%)
0 points
20 yr
2.625% (3.017%)
2 points
2.750% (3.030%)
1 points
2.875% (3.044%)
0 points
15 yr
2.250% (2.753%)
2 points
2.375% (2.733%)
1 points
2.500% (2.714%)
0 points
10 yr
2.125% (2.860%)
2 points
2.250% (2.772%)
1 points
2.375% (2.687%)
0 points

Jumbo Fixed Rate

Mortgage loans for amounts greater than $548,250 with an interest rate that remains the same over the life of the loan.

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Term
Rate (APR)
Points
30 yr
3.125% (3.155%)
0 points
20 yr
2.875% (2.916%)
0 points
15 yr
2.500% (2.551%)
0 points
10 yr
2.500% (2.574%)
0 points

Jumbo Adjustable Rate (ARM)

Mortgage loans for amounts greater than $548,250 with an initial fixed rate that changes over the life of the loan.

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Term
Rate (APR)
Points
10/1
2.875% (2.804%)
0 points
5/5
2.750% (3.350%)
0 points
5/1
2.625% (2.653%)
0 points
3/3
2.750% (3.267%)
0 points

Quick Pay Fixed Rate

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Term
Rate (APR)
Points
20 yr
2.750% (2.917%)
0 points
11-15 yrs
2.500% (2.714%)
0 points
8-10 yrs
2.375% (2.687%)
0 points
1-7 yrs
2.375% (2.813%)
0 points

Land Loans (Buildable Lot)

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Term
Rate (APR)
Points
1/1
3.750% (3.766%)
0 points
5/1
4.250% (4.267%)
0 points
10/1
4.875% (4.892%)
0 points

Rates as of 10/20/2021 and subject to change without notice. Conditions and/or restrictions may apply.

Rates do not take into consideration possible adjustments based on applicant's credit score, loan-to-value, combined loan-to-value, subordinate financing, occupancy, appraised value, down payment, property type, property use and loan purpose.

Rate may increase for all adjustable mortgages after closing.

Mortgage insurance required if loan to value exceeds 80%.

Repayment Examples

  • 30 yr Fixed Rate Mortgage at 3.125% (3.246% APR): 360 monthly payments of $4.22 per $1,000 borrowed
  • 5/5 Adjustable Rate Mortgage at 2.750% (3.440% APR): 360 monthly payments of $4.08 per $1,000 borrowed
  • 10/1 Adjustable Rate Jumbo Mortgage at 2.875% (2.804% APR): 360 monthly payments of $ per $1,000 borrowed.
  • 20 yr Quick Pay Fixed Rate Mortgage at 2.750% (2.917% APR): 240 monthly payments of $5.42 per $1,000 borrowed.
  • 1/1 Adjustable Rate Land Loan at 3.750% (3.766% APR): 360 monthly payments of $4.63 per $1,000 borrowed.