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Mortgage Rates

Mortgage Rates
Effective Date: Thursday, January 26th, 2023
NameMortgage RateAPR CapLoan To Value (LTV)Maximum Limit
Secondary Market Mortgages
30 Year Fixed Rate 6.250% As low as 6.463% N/A 97.00% $400,000.00
20 Year Fixed Rate 6.000% As low as 6.278% N/A 95.00% $400,000.00
15 Year Fixed Rate 5.625% As low as 5.692% N/A 95.00% $400,000.00
10 Year Fixed Rate 5.500% As low as 5.594% N/A 95.00% $400,000.00
In-House Mortgages "A" Score
30 Year In-House Fixed Contact Mortgage Dept   N/A 95.00% $400,000.00
20 Year In-House Fixed Contact Mortgage Dept   N/A 95.00% $400,000.00
15 Year In-House Fixed 5.875% As low as 5.944% N/A 95.00% $400,000.00
10 Year In-House Fixed 5.750% As low as 5.847% N/A 95.00% $400,000.00
In-House Mortgages "B" Score
30 Year In-House Fixed Contact Mortgage Dept   N/A 95.00% $400,000.00
20 Year In-House Fixed Contact Mortgage Dept   N/A 95.00% $400,000.00
15 Year In-House Fixed 6.875% As low as 6.953% N/A 95.00% $400,000.00
10 Year In-House Fixed 6.750% As low as 6.858% N/A 95.00% $400,000.00
5 Year Adjustable Rate Mortgages – 30 year Amortization
Primary & Secondary Residences 6.000% As low as 5.344% 2.00% 80.00% $400,000.00
5 Year Adjustable Rate Mortgages – 20 year Amortization
Investment 1-4 Units 7.000% As low as 6.524% 2.00% 80.00% $250,000.00
Vacant Land 7.000% As low as 6.889% 2.00% 80.00% $100,000.00
Construction-Home Equity          
For Construction or Home Equity Rates, please contact our Mortgage Department at 906-632-5370.