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Real Estate Loan Rates
First Mortgages
| Terms | Rate | APR* |
|---|---|---|
| 1 Year - 5 Years | 6.000% | 6.196% |
| 5+ Years - 10 Years | 6.000% | 6.104% |
| 10+ Years - 15 Years | 6.000% | 6.074% |
| 20 Years | 6.250% | 6.310% |
| 30 Years | 6.375% | 6.421% |
Second Mortgages
| Terms | Rate | APR* |
|---|---|---|
| 1 Year - 5 Years (80% Loan-to-Value) | 6.500% | 6.586% |
| 5+ Years - 10 years (80% Loan-to-Value) | 6.500% | 6.546% |
| 10+ Years - 15 Years (80% Loan-to-Value) | 6.500% | 6.533% |
| - | - | - |
| 1 Year - 5 Years (85% Loan-to-Value) | 7.000% | 7.087% |
| 5+ Years - 10 years (85% Loan-to-Value) | 7.000% | 7.046% |
| 10+ Years - 15 Years (85% Loan-to-Value) | 7.000% | 7.033% |
*APR = Annual Percentage Rate. APR based on loan amount of $100,000, 0 points, $200 origination fee, $6 flood certification. Term and LTV restrictions may apply depending on property type. Other rules may apply. Rates are subject to change at any time.
Home Equity Lines of Credit
| Term | Rate | APR* | Monthly Payment |
|---|---|---|---|
| Revolving | Prime minus 0.25% | 7.250% | 1.50% of the outstanding balance, or $100.00, whichever is greater. |
*APR=Annual Percentage Rate. Our Home Equity Line of Credit is a variable rate of Prime Minus .25% for the life of the loan. The rate is adjusted on the first day of each month based on Prime as published in the Wall Street Journal. The prime rate is 7.50% APR as of 12/18/2024. Hazard Insurance is required. Flood insurance is required where necessary. No minimum initial advance is required. We will lend up to 85% of the appraised value of your home, minus first mortgage. $5,000 minimum for line of credit. Maximum Annual Percentage Rate is 18.00%.