Residential Mortgage Interest Rates

Effective: February 3, 2012
All interest rates are for owner-occupied, single-family residences & subject to change daily
Interest rates and/or closing costs subject to credit score & loan-to-value
Call for quotes on non-conforming properties (which is property normally more than 5 acres), commercial and agriculture properties.

Years
Interest Rate
Point
Out of Pocket Cost
APR
Max
Loan-to-Value
30 year fixed
3.500%
1
+
3.588%
95%
30 year fixed
3.625%
1/2
+
3.673%
95%
30 year fixed
3.750%
0
+
3.757%
95%
20 year fixed
3.375%
1
+
3.498%
95%
20 year fixed
3.500%
1/2
+
3.567%
95%
20 year fixed
3.625%
0
+
3.635%
95%
15 year fixed
2.750%
1
+
2.907%
95%
15 year fixed
2.875%
1/2
+
2.960%
95%
15 year fixed
3.000%
0
+
3.013%
95%
   
 


All interest rates subject to change daily
A "Point" is 1% of the Loan Amount as a loan closing fee charged to obtain a loan

APR = Annual Percentage Rate