Residential Mortgage Rates
Effective: July 18, 2008
All rates are for owner-occupied, single-family residences & subject to change daily
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), commerical and agriculture properties.
| Years | Rate |
Point |
Out of Pocket Cost |
Max Loan-to-Value |
| 30 year fixed | 6.750% |
1 |
+ |
95% |
| 30 year fixed | 6.875% |
1/2 |
+ |
95% |
| 30 year fixed | 7.000% |
0 |
+ |
95% |
| 20 year fixed | 6.625% |
1 |
+ |
95% |
| 20 year fixed | 6.750% |
1/2 |
+ |
95% |
| 20 year fixed | 6.875% |
0 |
+ |
95% |
| 15 year fixed | 6.125% |
1 |
+ |
95% |
| 15 year fixed | 6.250% |
1/2 |
+ |
95% |
| 15 year fixed | 6.375% |
0 |
+ |
95% |
| 30-5 year balloon | 7.000% |
1 |
+ |
80% |
| 30-5 year balloon | 7.125% |
1/2 |
+ |
80% |
| 30-7 year balloon | 7.000% |
1 |
+ |
90% |
| 30-7 year balloon | 7.375% |
1/2 |
+ |
90% |
All rates subject to change daily
A "Point" is 1% of the Loan Amount as a loan closing fee charged to obtain a loan