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Residential Mortgage Rates

Rates effective as of July 18, 2018

CONFORMING AND JUMBO LOAN AMOUNTS UP TO ONE MILLION

FIXED RATE LOANS
Product10 Year15 Year20 Year30 Year
Interest Rate % 4.125% 4.250% 4.375% 4.625%
Annual Percentage Rate % 4 4.145% 4.264% 4.386% 4.633%
Points 0 0 0 0
# of Monthly Payments 1,3 120 180 240 360
Payment Factor 1,2,3 $10.18 $7.52 $6.26 $5.14

 

CONFORMING AND JUMBO LOAN AMOUNTS UP TO ONE MILLION

ADJUSTABLE RATE LOANS - UP TO 30 YEAR MATURITY
Product3/1 ARM5/1 ARM7/1 ARM10/1 ARM
Interest Rate 3.750% 3.750% 3.875% 4.125%
Annual Percentage Rate 4 4.900% 4.704% 4.594% 4.550%
Points 0 0 0 0
# of Monthly Payments at Fixed Rate/# of Monthly
Payments at Adjustable Rate1,3

36/324

60/300 84/276 120/240
Fixed Interest Rate/Adjustable Interest Rate 1,3 3.750%/5.250% 3.750%/5.250% 3.875%/5.250% 4.125%/5.250%
Payment Factor 1,2,3 $4.63/$5.45 $4.63/$5.40 $4.70/$5.36 $4.85/$5.33

Rates are accurate as of today’s date and are subject to change without notice.
1Payments shown do not include amounts for taxes and insurance.
2To calculate the monthly payment divide the desired loan amount by 1000 then multiply the quotient to the payment factor.
3After the initial period, the ARM rates and payments are based on today’s index plus a 2.875% margin. The loans are subject to a 2% adjustment with a 6% lifetime cap.
4Annual Percentage Rate based on loan amount of $500,000.00 and no PMI.

Assumptions subject to change without notice:

  • Owner occupied single family residence
  • Free 60 day rate lock from application
  • All loans subject to credit approval and pricing
  • For loan amounts over one million, please contact us for pricing

Construction to Perm, Condominium, Co-op, 2-4 Family Residence, Jumbo and Investment Property loans are also available.
Contact one of our mortgage representatives for available rates and terms.