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Mortgage Rates

Mortgage Rates as of 12/14/17

Product

Interest Rate

APR

Monthly Payment

30 Year Fixed 4.00% 4.062% $716.12
15 Year Fixed 3.50% 3.605% $1,072.32
USDA-RD 4.00% 4.514% $767.20
Construction 3.99% 5.996% $450.93
  • Mortgage Disclosures & Assumptions

    General Assumptions

    Loan programs are subject to credit approval. Other terms, conditions, restrictions & fees may apply. Full documentation, title & property insurance required. Flood insurance required if property is located in a Special Flood Hazard Area. Mortgage loan programs offering minimal down payment options may require mortgage insurance. These are posted for example purposes and do not constitute a commitment to lend. Rates are subject to change without notice.

    30 & 15 Year Fixed Rate Conforming Fannie Mae

    Rate/APR posted assume loan is for an owner occupied single family one unit purchase transaction with a loan amount of $150,000, with a 20% down payment and a FICO Credit Score of 740 on a 30 day rate lock period with escrows.  Monthly payments do not include amounts for taxes and insurance premiums. 

    Construction

    Rate/APR posted assume loan is for an owner occupied single family one unit construction transaction with a loan amount of $250,000, with a 20% down payment and a FICO Credit Score of 680.  Construction loans have interest only payments for 11 months, then have a final balloon payment in month 12. Monthly payments are based on interest only of half the full loan amount. Monthly payments do not include amounts for taxes and insurance premiums. 

    USDA-RD

    Rate/APR posted assume loan is for an owner occupied single family one unit purchase transaction with a loan amount of $150,000, with a 0% down payment and a FICO Credit Score of 680 on a 30 day rate lock period with escrows. Monthly payment posted assumes financed upfront USDA-RD guarantee fee and annual fee premium. Monthly payments do not include amounts for taxes and insurance premiums.

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