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Rates

Effective 10/28/2025 10:56:40 AM

The information provided is for informational purposes only and subject to change for the purchase of single-family, owner-occupied residences. Based on a FICO score of 780. Loans above 80% LTV subject to mortgage insurance approval unless otherwise stated. Estimated payments include principal and interest only; real estate taxes, hazard insurance, flood insurance, and mortgage insurance have been excluded and, if applicable, would result in a higher payment. Rates, terms, and conditions are subject to change without notice. Contact a Mortgage Loan Officer for more information.

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Flexible Rate Mortgages (FRM)
Length of Term Rate APR* Down Payment Payment Loan Amount LTV
5/1 FRM 5.000 5.954% 20% $1,073.64 $200,000.00 80%
7/1 FRM 5.250 5.924% 20% $1,104.41 $200,000.00 80%
Government Mortgages
Length of Term Rate APR* Down Payment Payment Loan Amount LTV
30 Year FHA 5.625 6.444% 3.50% $1,388.77 $241,250.00 96.50%
30 Year VA1 5.625 5.729% 0.00% $1,439.14 $250,000.00 100.00%
Fixed Rate Mortgages
Length of Term Rate APR* Down Payment Payment Loan Amount LTV
10 Year Fixed Rate 5.500 5.772% 20% $2,170.53 $200,000.00 80%
15 Year Fixed Rate 5.625 5.817% 20% $1,647.46 $200,000.00 80%
20 Year Fixed Rate 5.500 5.651% 20% $1,375.77 $200,000.00 80%
30 Year Fixed Rate 6.000 6.118% 20% $1,199.10 $200,000.00 80%
30 Year Fixed Rate No PMI (Zero Down)1 6.500 6.655% 0% $1,264.14 $200,000.00 100%
New Build Mortgages
Length of Term Rate APR* Down Payment Payment Loan Amount LTV
New Construction Fixed Rate 8.250 11.291% 20% $1,718.75 $250,000.00 80%
5 Year Lot Loan Fixed Rate 8.250 9.420% 30% $1,427.74 $70,000.00 70%
10 Year Lot Loan Fixed Rate 9.250 9.899% 30% $896.23 $70,000.00 70%

* Annual Percentage Rate

1 Mortgage insurance not required.