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Real Estate Loan Rates

Rates will vary within the ranges shown based on borrower's credit score, selected term, and percentage financed. Contact our loan department for details.

You can use our mortgage loan calculator to estimate your monthly payments, see how your down payment affects your loan, and more.

Type Term-Loan Rate*-APR Mo. Payment** Features
Home Equity Line of Credit
   - Variable Rate
15 Years
as low as 7.00%
  90% Max Loan to Value
More Info
Home Equity Loan
   - Fixed Rate & Terms
up to 15 Years
as low as 6.50%
  90% Max Loan to Value
More Info

Mortgages - Fixed Rate

Including

  • Construction Loans

 

10 Years:  Rate: 6.250%
APR: 6.469%
15 Years:  Rate: 6.500%
APR: 6.657%
20 Years:  Rate: 6.750%
APR: 6.876%
30 Years:  Rate: 7.000%
APR: 7.098%
$1,122.80
$871.11

$760.36

$665.30
80% Max Loan to Value

97% Max Loan to Value (with
Private Mortgage Insurance)

0 Points

Purchase & Refinance Transactions

Primary Residence

More Info

Mortgages - 5/5 ARM
Adjustable Rate Mortgage

Including

  • Construction Loans


Fixed Rate for first 5 years.
Rate may adjust every 5 years thereafter.
Contact us for details.

15 Years: Rate: 6.000%
APR: 6.408%
20 Years: Rate: 6.000%
APR: 6.441%
30 Years: Rate: 6.000%
APR: 6.480%
$843.86
$716.43

$599.55

80% Max Loan to Value

97% Max Loan to Value (with
Private Mortgage Insurance)

0 Points

Purchase & Refinance Transactions

Primary Residence

More Info

Mortgages - 7/1 ARM
Adjustable Rate Mortgage

Including

  • Construction Loans


Fixed Rate for first 7 years.
Rate may adjust every
year thereafter.
Contact us for details.

15 Years: Rate: 6.000%
APR: 6.310%
20 Years: Rate: 6.000%
APR: 6.351%
30 Years: Rate: 6.000%
APR: 6.404%
$843.86
$716.43
$599.55
80% Max Loan to Value

97% Max Loan to Value (with Private Mortgage Insurance)

0 Points

Purchase & Refinance Transactions

Primary Residence

More Info

First Time Homebuyers Progam

5/5 ARM

Fixed Rate for first 5 years.
Rate may adjust every 5 years thereafter.
Contact us for details.

30 Years: Rate: 6.000%
APR: 6.480%

$599.55

1% Down Payment

0 Points

No homeownership within past 3 years

Primary Residence

$1,000 credit towards closing cost

More Info

Mobile Homes & Land Please Call  

80% Max Loan to Value

90% Max Loan to Value (with Private Mortgage Insurnace) Double-Wides Only

Land Loans

15 Years: Rate: 7.500%
APR: 7.825%

20 Years: Rate: 8.000%
APR: 8.268%

$463.51

 

$418.22

90% Max Loan to Value
0 Points
More Info
Camps and
Seasonal Properties
20 Years: Rate: 7.250%
APR: 7.359%
$790.38

80% Max Loan to Value
0 Points
15 Year Max on Purchases/30 Year Balloon Available

More Info

Second Home
Mortgage Loans
15 Years: Rate: 7.000%
APR: 7.134%
$898.83 80% Max Loan to Value
0 Points
More Info

 

APR = Annual Percentage Rate

* These rates are subject to change without notice.

** All payments are shown based on $100,000 loan (except Home Equity, and Land which are based on $50,000) and exclude taxes and insurance.

We do not finance Condos or Single/Double Wide Mobile Homes on leased land at this time

Rates as of 11/5/2026 at 11:00 am