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Fixed Rate Mortgage
Friendly services, low fees and a simple mortgage application process.
Features
- Interest rates are fixed for the life of the loan and based on the term of the loan.
- Currently offers terms of 15, 20, and 30 years with no points or one point (points are calculated at 1% of your loan amount).
- Construction/permanent loans available with one application, one closing, interest only during construction, and no escrow.
- Conventional mortgage and construction loan rates are fixed for the life of your loan.
- Private Mortgage Insurance (PMI) are required on loans greater than 80% of the lower of cost or appraised value.
Current Rates
Effective Date: Sunday, November 17, 2024
| Terms | Points | Annual Percentage Rate (APR) | Interest Rate | Monthly Payment Per $1,000 Borrowed |
|---|---|---|---|---|
| 15 years* | 0 | 3.535% | 3.50% | $7.15 |
| 15 years* | 1 | 3.431% | 3.25% | $7.03 |
| 20 years* | 0 | 3.780% | 3.75% | $5.93 |
| 20 years* | 1 | 3.643% | 3.50% | $5.80 |
| 20 years* | 1 | 3.643% | 3.50% | $5.80 |
| 30 years* | 0 | 4.024% | 4.00% | $4.77 |
| 30 years* | 1 | 3.856% | 3.75% | $4.63 |
*APR is based on $100,000.00 loan amount
**Maximum loan to value ratio is 80% (up to 95% allowed with PMI)
"For credit secured by a first lien on a dwelling, payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater."