Home Loans

Mortgages

Perfect home. Perfect mortgage. Local lending you can count on.

Get current mortgage rates.

 

  • Fixed rate and term 15 – 30 years

  • Jumbo Mortgages
  • Adjustable rate mortgage (ARM)

  • Second home

  • First time home-buyer

 

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Home Equity Loans

Tap into the equity in your home to pay for college, consolidate debt, remodel, travel, your options are endless! No title search fees, no appraisal fees, no closing costs, no annual fee or prepayment penalties.

  • No closing costs

  • Fixed rate and term 5 – 15 years

  • Borrow up to 100% CLTV2

  • No prepayment penalty

  • Primary Residence, Vacation/Second homes and Investment Properties2

 

Home Equity Line Of Credit

  • Low variable rate3

  • Pay interest only on what you borrow over 5 year draw period

  • 10 more years to repay

  • Borrow up to 100% CLTV3

  • Take advances for $250 or more

 

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Home Equity Loan Rates

Rates as of:6/1/2019
TermAPR2
Up To 60 months4.00%
61 - 84 months4.25%
85 - 120 months4.50%
121 - 180 months4.875%
(CLTV³ <= 80%)
Payment Example: $736.71 monthly payment borrowing $40,000 at 4.00% for 5 years.

 

Home Equity Line Of Credit Rate

Rates as of: 12/20/2018TermAPR3
Prime Rate Minus 1.00%15 Years4.50%
Term: 15 Years. 5 year draw period. 10 year P&I payback period.
Rate: Prime Rate Minus 1.00%.

 

 Disclosures

APR = Annual Percentage Rate.

 1) Rate based on $100,000 loan amount and 20% down payment. Rates apply to owner occupied, primary residence or second home, purchase and no-cash-out refinance. Investment properties ineligible. Maximum financing; 1 Unit, 95%; 2 – 4 Unit, 80%; Condominium or PUD, 90%. Points paid are a percentage of the loan amount (1 point = 1% of loan amount.)

 ARM= Adjustable Rate Mortgage. Rates quoted are variable rates. 1 Year ARM, rates subject to change annually. 5/1 ARM, rate fixed for the initial 5 year period. Subject to change annually thereafter.

2) Rates apply to 1 – 4 family properties.

  • Primary Residences- Up to 100% financing. If CLTV is below 80%, maximum loan amount $484,350.00.  Between 80.01 and 100%, the loan limit is $250,000.00, with an add on rate of 1.125%.
  • Vacation/Second Homes- Up to 80% CLTV  with max loan amount of $484,350.00
  • Investment Properties Up to 70% CLTV financing. Maximum term of 10 years and maximum loan amount of $250,000.00.

Minimum loan amount $10,000. Rates listed are based on our credit grade “A”. Your rate may vary depending on your term selected and individual credit score.

Fixed Rate Home Equity Loan CLTV Limits: CLTVs between 80.01% – 100% maximum loan amount of $250,000.00.  Rate add-on: 80.01% to 100.00%, +1.125% to posted rate.

3) Rates apply to owner occupied 1 – 4 family primary residences. This HELOC is a monthly variable rate loan. The APR can change at each billing cycle and cannot increase more than 6.00% above the initial rate, at no point will the APR go below our floor rate of 3.50%. Minimum loan $10,000. HELOC Add ons: 

  • Below 80% CLTV – Prime minus 1.00%, maximum loan amount $484,350.00.
  • 80.01 – 100%CLTV – Prime +1.00% and maximum loan amount of $250,000.00.

All loans and lines subject to credit approval.

Rates are effective as of the date shown and are subject to change without notice.