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Home Lending Rates

Rates Accurate As Of December 18, 2018

Home Mortgage Rates

Account Type Interest Rate Annual Percent­age Rate (APR)
30 Year Fixed Rate 4.625% 4.668%
20 Year Fixed Rate 4.500% 4.559%
15 Year Fixed Rate 4.250% 4.324%
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Construction Rate Special

Loan amount $200,000 or greater
Account Type Interest Rate Annual Percent­age Rate (APR) Max Loan to Value LTV(%)
9 Month 2.99% 4.670% 80
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Construction Rates

Loan amount less than $200,000
Account Type Interest Rate Annual Percent­age Rate (APR) Max Loan to Value LTV(%)
9 Month 4.75% 5.480% 80
5.75% 6.481% 81-85
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Total Line of Credit (TLC)

Account Type Interest Rate* Annual Percent­age Rate (APR)* Max Loan to Value LTV(%)
Variable Rate: Wall Street Prime Floating -.25% 4.75% 4.75% 70
Variable Rate: Wall Street Prime Floating 5.00% 5.00% 80
Variable Rate: Wall Street Prime Floating +.50% 5.50% 5.50% 85
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Conventional - Owner Occupied

Account Type Interest Rate Annual Percent­age Rate (APR)
62 Mo. Balloon 5.59% 5.638%
84 Mo. Balloon 5.99% 6.030%
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Loan Pricing Disclosure pdf

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