| Term | Rate* | Points | APR** | |
|---|---|---|---|---|
Adjustable Rate (ARM) |
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| 10/1 | 30 year | 3.500% | 0 | 3.682% |
| 5/5 | 30 year | 3.375% | 0 | 4.100% |
| 5/1 | 30 year | 3.250% | 0 | 3.690% |
| 3/3 | 30 year | 3.125% | 0 | 4.124% |
Smart Option |
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| Smart Option 30 | 30 year | 4.125% | 0 | 4.157% |
| Smart Option 15 | 15 year | 3.500% | 0 | 3.565% |
Fixed Rate Up to $424,100 |
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| 30 year | 3.750% | 2 | 3.954% | |
| 30 year | 3.875% | 1 | 3.996% | |
| 30 year | 4.000% | 0 | 4.038% | |
| 20 year | 3.375% | 2 | 3.656% | |
| 20 year | 3.500% | 1 | 3.666% | |
| 20 year | 3.625% | 0 | 3.677% | |
| 15 year | 3.000% | 2 | 3.358% | |
| 15 year | 3.125% | 1 | 3.337% | |
| 15 year | 3.250% | 0 | 3.317% | |
| 10 year | 2.750% | 2 | 3.268% | |
| 10 year | 2.875% | 1 | 3.181% | |
| 10 year | 3.000% | 0 | 3.096% | |
Land Loans (Buildable Lot) |
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| 1/1 | 30 year | 3.750% | 0 | 3.766% |
| 5/1 | 30 year | 4.250% | 0 | 4.267% |
| 10/1 | 30 year | 4.875% | 0 | 4.892% |
Jumbo Fixed Rate up to $1,500,000 |
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| 30 year | 3.875% | 0 | 3.884% | |
| 20 year | 3.875% | 0 | 3.887% | |
| 15 year | 3.250% | 0 | 3.265% | |
| 10 year | 3.000% | 0 | 3.022% | |
Quick Pay Fixed Rate up to $1,500,000 |
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| 20 year | 3.500% | 0 | 3.552% | |
| 11-15 years | 3.000% | 0 | 3.066% | |
| 8-10 years | 2.850% | 0 | 2.946% | |
| 1-7 years | 2.850% | 0 | 2.984% | |
Rates as of Oct 13, 2017 and subject to change without notice. Conditions and/or restrictions may apply.
APR for Jumbo Fixed Rate mortgages is based on a $425,000 loan with 80% loan-to-value and no prepaid interest. APRs for all other mortgages listed are based on a $100,000 loan with 80% loan-to-value and no prepaid interest.
For all Adjustable Rate Mortgages the Rate may increase after closing.
Mortgage insurance required if LTV exceeds 80%.
Repayment Examples
- 30 yr Fixed Rate Mortgage at 3.750% (3.954% APR): 360 monthly payments of $4.63 per $1,000 borrowed
- 5/5 Adjustable Rate Mortgage at 3.375% (4.100% APR): 360 monthly payments of $4.42 per $1,000 borrowed
- 30 yr Jumbo Fixed Rate Mortgage at 3.875% (3.884% APR): 360 monthly payments of $4.70 per $1,000 borrowed.
- 20 yr QuickPay Fixed Rate Mortgage at 3.500% (3.552% APR): 240 monthly payments of $5.80 per $1,000 borrowed.
- 10 yr QuickPay Fixed Rate Mortgage at 2.850% (2.946% APR): 120 monthly payments of $9.59 per $1,000 borrowed.