Mortgages
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Mortgages |
Fixed Rate Mortgages are available in 10, 15, 20, 30 or 40 year terms. The interest rate is constant over the life of the loan and the principal and interest payments never change. Subject to credit approval. Property insurance shall be required.
Current Fixed Mortgage Rates - Effective
02/03/2012
Rates subject to change. Loan limits apply. Additional fees may be required
depending on qualifying factors of the loan. Apply online or contact any of our
branch offices. See Locations link for branch locations.
| Terms | Points | Rate | Annual Percentage Rate |
| 10 Year Fixed | 0 | 3.13% | 3.13%* |
| 15 Year Fixed | 0 | 3.25% | 3.25%** |
| 20 Year Fixed^ | 0 | 3.75% | 3.75%*** |
| 30 Year Fixed^ | 0 | 3.88% | 3.88%**** |
| 40 Year Fixed^ | 0 | 4.38% | 4.38%***** |
*$9.71 per $1,000 borrowed; **$7.03 per $1,000 borrowed; *** $5.93 per $1,000 borrowed; ****$4.70 per $1,000 borrowed; *****$4.42 per $1,000 borrowed
^ - Rates subject to change daily. Rate is not locked until preliminary approval..
Adjustable Rate Mortgages are available in a variety of terms. You can take advantage of the initial lower-than-market interest rate. After the first renewal, the rate will be indexed to the U.S. Treasury note. The interest rate and monthly payments will adjust periodically over the life of the loan. Annual and lifetime rate caps apply. Subject to credit approval. Property insurance shall be required.
Current Adjustable Rate Mortgage Rates -
Effective 02/03/2012
Rates subject to change. Loan limits apply. Additional fees may be required
depending on qualifying factors of the loan. Apply online or contact any of our
branch offices. See Locations link for branch locations.
| Terms | Points | Rate | Annual Percentage Rate |
| 3/1 Year ARM / 30 Year Term | 0 | 2.63% | 3.02%* |
| 5/1 Yr ARM / 30 Year Term | 0 | 3.00% | 3.08%** |
| 10/1 Year ARM / 30 Year Term | 0 | 3.50% | 4.63%*** |
*Your monthly payment will be $4.02 per $1,000.00 borrowed for the first 36 months. After this initial period, the loan will convert to an adjustable rate loan and will adjust annually for the remaining term of the loan. Index is based upon the One Year Treasury with 2.00% annual rate cap with a 3.00% margin. Life time cap is 6.00% (over initial rate).
**Your monthly payment will be $4.22 per $1,000.00 borrowed for the first 60 months. After this initial period, the loan will convert to an adjustable rate loan and will adjust annually for the remaining term of the loan. Index is based upon the One Year Treasury with 2.00% annual rate cap with a 3.00% margin. Life time cap is 6.00% (over initial rate).
***Your monthly payment will be $4.49 per $1,000.00 borrowed for the first 120 months. After this initial period, the loan will convert to an adjustable rate loan and will adjust annually for the remaining term of the loan. Index is based upon the One Year Treasury with 4.00% annual rate cap with a 3.00% margin. Life time cap is 6.00% (over initial rate).
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