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See All | Contract

Mortgage Rates

Mortgage Rates may change at any point throughout the day

Mortgage Rates
Effective Date: Wednesday, October 22nd, 2025
NameMortgage RateAPR CapLoan To Value (LTV)Maximum Limit
Secondary Market Mortgages
30 Year Fixed Rate 6.125% As low as 6.363% N/A 97.00% $400,000.00
20 Year Fixed Rate 5.500% As low as 5.801% N/A 95.00% $400,000.00
15 Year Fixed Rate 5.500% As low as 5.605% N/A 95.00% $400,000.00
10 Year Fixed Rate 5.250% A low as 5.395% N/A 95.00% $400,000.00
Rate scenario: A Fixed Rate Mortgage for a Primary Residence Purchase transaction with mortgage $200,000 over 30 years at 6.125% interest and 6.387% APR will have a monthly payment of $1,215.22. Taxes and insurance not included; therefore, the actual payment obligation will be greater. Downpayment of 20%, 680 credit score was incorporated in calculation. Rates & fees may vary and are based on credit history, down payment, property type and other factors associated with your loan application. Loans with less than 20% down payment will require private mortgage insurance. Rates vary based on market conditions and are subject to intraday market changes.
In-House Mortgages
15 Year In-House Fixed 5.625% As low as 5.742% N/A 95.00% $400,000.00
10 Year In-House Fixed 5.375% As low as 5.536% N/A 95.00% $400,000.00
Rate scenario: A Portfolio Fixed Rate Mortgage for a Primary Residence Purchase transaction with mortgage $200,000 over 15 years at 5.625% interest and 5.791% APR will have a monthly payment of $1,647.46. Taxes and insurance not included; therefore, the actual payment obligation will be greater. Downpayment of 20%, 680 credit score was incorporated in calculation. Rates & fees may vary and are based on credit history, down payment, property type and other factors associated with your loan application. Loans with less than 20% down payment will require private mortgage insurance. Rates vary based on market conditions and are subject to intraday market changes.
5 Year Adjustable Rate Mortgages – 30 year Amortization
Primary & Secondary Residences 6.125% As low as 6.206% 2.00% 80.00% $400,000.00
Rate scenario: An ARM mortgage for a Primary Residence Purchase transaction with a mortgage of $200,000 over 30 years at 6.125% interest and 6.242% APR will have a monthly payment of $1,215.22. Taxes and insurance not included; therefore, the actual payment obligation will be greater. Downpayment of 20%, 680 credit score is incorporated in calculation. Rates & fees may vary and are based on credit history, down payment, property type and other factors associated with your loan application. Loans with less than 20% down payment will require private mortgage insurance. Rates vary based on market conditions and are subject to intraday market changes.

With 5/5 ARM financing, your loan will have the ability to adjust every five years and the interest rate will be based on the 5 Yr Treasury Par Yield Curve Rates. The interest rate cannot increase/decrease more than 2% at each adjustment.  There is a ceiling of 10% and a floor cap of 4.5%.
5 Year Adjustable Rate Mortgages – 20 year Amortization
Investment 1-4 Units 7.125% As low as 7.247% 2.00% 80.00% $400,000.00

Rate scenario: An Investment purchase transaction with a mortgage of $100,000 over 20 years at 7.125% interest and 7.397% APR will have a monthly payment of $782.82. Taxes and insurance not included; therefore, the actual payment obligation will be greater. Downpayment of 20%, 680 credit score is incorporated in calculation. Rates & fees may vary and are based on credit history, down payment, property type and other factors associated with your loan application. Maximum financing is at 80% Loan-to-Value.

With 5/5 ARM financing, your loan will have the ability to adjust every five years and the interest rate will be based on the 5 Yr Treasury Par Yield Curve Rates. The interest rate cannot increase/decrease more than 2% at each adjustment.  There is a ceiling of 10% and a floor cap of 4.5%.

Vacant Land 7.125% As low as 7.364% 2.00% 80.00% $100,000.00

Rate scenario: A Vacant Land mortgage for a purchase transaction with a mortgage of $100,000 over 20 years at 7.125% interest and 7.364% APR will have a monthly payment of $782.82. Taxes and insurance not included; therefore, the actual payment obligation will be greater. Downpayment of 20%, 680 credit score is incorporated in calculation. Rates & fees may vary and are based on credit history, down payment, property type and other factors associated with your loan application. Maximum financing is at 80% Loan-to-Value.

With 5/5 ARM financing, your loan will have the ability to adjust every five years and the interest rate will be based on the 5 Yr Treasury Par Yield Curve Rates. The interest rate cannot increase/decrease more than 2% at each adjustment.  There is a ceiling of 10% and a floor cap of 4.5%.

Construction and Home Equity

For Construction or Home Equity Rates, please contact our Mortgage Department at 906-632-5370.