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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 Features Term-Loan Rate*-APR Mo. Payment**
Home Equity Line of Credit
   - Variable Rate
90% Max Loan to Value
More Info
15 Years
as low as 8.00%
 
Home Equity Loan
   - Fixed Rate & Terms
90% Max Loan to Value
More Info
up to 15 Years
as low as 7.00%
 

Mortgages - Fixed Rate

Including

  • Construction Loans

 

80% Max Loan to Value

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

0 Points

Purchase & Refinance Transactions

Primary Residence

More Info
10 Years:  Rate: 6.250%
APR: 6.472%
15 Years:  Rate: 6.500%
APR: 6.659%
20 Years:  Rate: 6.750%
APR: 6.878%
30 Years:  Rate: 7.250%
APR: 7.351%
$1,122.80
$871.11

$760.36

$682.18

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.

80% Max Loan to Value

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

0 Points

Purchase & Refinance Transactions

Primary Residence

More Info
15 Years: Rate: 6.000%
APR: 6.363%
20 Years: Rate: 6.000%
APR: 6.384%
30 Years: Rate: 6.000%
APR: 6.409%
$843.86
$716.43

$599.55

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.

80% Max Loan to Value

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

0 Points

Purchase & Refinance Transactions

Primary Residence

More Info
15 Years: Rate: 6.000%
APR: 6.283%
20 Years: Rate: 6.000%
APR: 6.310%
30 Years: Rate: 6.000%
APR: 6.347%
$843.86
$716.43
$599.55

First Time Homebuyers Progam

5/5 ARM

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

1% Down Payment

0 Points

No homeownership within past 3 years

Primary Residence

$500 credit towards closing cost

More Info

30 Years: Rate: 7.000%
APR: 6.812%

$665.30

Mobile Homes & Land

80% Max Loan to Value

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

Please Call  
Land Loans 80% Max Loan to Value
0 Points
More Info
15 Years: Rate: 8.000%
APR: 8.278%
$477.83
Camps and
Seasonal Properties

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

More Info

20 Years: Rate: 7.250%
APR: 7.359%
$790.38
Second Home
Mortgage Loans
80% Max Loan to Value
0 Points
More Info
15 Years: Rate: 7.000%
APR: 7.134%
$898.83

 

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 11/6/2024 at 2:00 pm