• Low rates & closing costs
  • No junk fees
  • Local decision making & servicing
  • Purchase, refi, construction, rehab
Term Rate* Points APR**
Adjustable Rate (ARM)
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
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
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)
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
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
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.