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Loans - APR* "As Low As" Rate Points APR*
First Mortgage - 5-Year Maturity 3.10 0 3.204
First Mortgage - 10-Year Maturity 3.70 0 3.765
First Mortgage - 15-Year Maturity 3.85 0 3.897
First Mortgage - 20-Year Maturity 4.25 0 4.291
First Mortgage - 30-Year Maturity 4.50 0 4.532
Home Equity Line of Credit (HELOC)* 4.25 0 4.25
Second Mortgage: 5-Year Maturity 4.50 0 4.50
Second Mortgage: 7-Year Maturity 4.99 0 4.99

*APR = Annual Percentage Rate. Mortgage rates are based on credit worthiness, loan to value, and term of loan. Mortgage rates are fixed rate terms. Rate illustrations are based on a loan of $100,000 with one month interest included in the APR. Rates are subject to change without notice.

  • The Home Equity Line of Credit has a variable rate of 4.25% APR based on the Wall Street Prime Rate + 0 (Floor: 3.99% APR, Ceiling 18.00% APR). HELOC draw period is 7 years with a repayment period of 10 years. Non-promotional variable rates are subject to change quarterly (on the first business day of January, April, July, and October). 
  • Interest paid may be tax deductible, consult a tax advisor for guidance.
  • The Home Equity Line of Credit is equal to or less than 80% of the loan to value of the home (minus the balance of the first mortgage if applicable).
  • Title insurance may be required.


Rates are effective as of June 15, 2017.