Residential Mortgages - Owner Occupied

Fixed Rate Mortgages

(Available Upon Request)

 

Adjustable Rate Mortgages

Type LTV Interest Rate APR1
1/1 ARM 80% 5.50% (floor rate) 5..55%
3/1 ARM 80% 5.63% (floor rate) 5.68%
5/1 ARM 80% 5.63% (floor rate) 5.68%

1 APR based upon a $100,000 - 30 year loan
Index is based on the 1 year U.S. Treasury Bill Constant Maturity. Margin 2.75%, Caps 2%/year 6%/lifetime.
Interest rates are subject to change at any time without notice. Rates are effective as of December 4, 2018.

Home Improvements Loan

Type LTV Interest Rate APR1
1/1 ARM 80% 6.50% (floor rate) 6.56%

1 APR based upon a $100,000 - 30 year loan
Index is based on the 1 year U.S. Treasury Bill Constant Maturity. Margin 2.75%, Caps 2%/year 6%/lifetime.
Interest rates are subject to change at any time without notice. Rates are effective as of December 4, 2018.

Home Equity Line of Credit - Owner Occupied

Type LTV Interest Rate
Variable Up to 80% Rate is the Prime Rate with a 4.00% floor

Payments are interest only or $50.00 whichever is greater. Annual fee is $50.00, waived the first year.
Note due at end of draw period (10 years). Prepayment penalty of $375.00 if closed in less than three (3) years.

Construction Loans

Type Interest Rate
Fixed The rate is 6% during the draw period

 

1 Annual Percentage Rate (APR)

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