Mortgage Rates

Below you will find rates for our most popular mortgage options. Due to market volatility, these rates may change multiple times per day. They are updated on the website at least once daily, and should only be used as an estimate.

We are available to speak with you in person or by phone to help you find the right solution to meet your personal goals. We will take the time to understand your needs and offer you a choice of programs that will meet them. Please contact a member of our mortgage lending team for assistance and the most up to date rate information.




All rates effective July 3, 2008, 10:44am unless otherwise noted and are subject to change without notice.


Fixed Rate Mortgages
Product NameTerm (years)RatePointsAnnual Percentage Rate (APR)Monthly Payment
Best Efforts Fixed 30 Years - Released306.500%06.571%$632.07
306.375%16.543%$623.87
Best Efforts Fixed 20 Years - Released206.375%06.468%$738.23
206.250%16.470%$730.93
Best Efforts Fixed 15 Years - Released156.000%06.118%$843.86
155.750%16.025%$830.41
Fixed 30 Years 1-2 Family Investment307.250%07.324%$682.18
Fixed 30 Years Seasonal Homes306.500%06.571%$632.07
Adjustable Rate Mortgages
Product NameTerm (years)RatePointsMarginAnnual Percentage Rate (APR)Monthly Payment
3/1 ARM #306.000%04.250%6.617%$599.55
3/1 ARM (construction)* #306.000%04.250%6.739%$599.55
3/1 Jumbo305.500%04.250%6.445%$567.79
5/1 ARM ##306.125%03.875%6.336%$607.61
5/1 ARM (construction) * ##306.125%03.875%6.456%$607.61
5/1 Jumbo305.750%03.875%6.145%$583.57
5/1 ARM Construction Interest Only * ##306.500%03.875%6.597%$541.67
5/1 ARM Interest Only ##306.500%03.875%6.481%$541.67
5/1 Interest Only Jumbo ##306.500%03.875%6.437%$541.67
Land Loan (1 year ARM) #206.000%04.250%6.739%$716.43
Land Loan (3/1 ARM interest only no closing costs) ##207.000%04.250%6.831%$583.33
Land Loan (3/1 ARM Interest Only) ##206.750%04.250%6.826%$562.50
Land Loan (3/1 ARM) ##206.750%04.250%6.831%$760.36
  • Monthly Payments are calculated using a $100,000 loan amount and the maximum term unless otherwise stated. APR = Annual Percentage Rate. Escrow for taxes and insurance are required for Best Efforts Fixed Rate Programs Servicing Released. ARM = Adjustable Rate Mortgage; APR may increase at adjustment period. For Adjustable rates, fully indexed rate is the 1 year treasury plus margin. Maximum loan to value calculations vary based on property type and occupancy status. All APRs assume 20% downpayment. Investor loans and other rates and point programs available upon request.
    *Construction loans include a 1% construction fee on the first $500,000 of construction funds and then 1/2% of the excess amount above $500,000, for a 6 month construction period. Modular construction loan fees will cap out at the maximum construction loan fee of $5,000. Self-Builds will have a two (2)% construction fee schedule for a 6 month construction period. (other construction periods available).
    # Rate is at a discount.
    ## Rate is at a premium.
  • To lock in a rate, you must speak with a mortgage specialist.

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