MORTGAGE RATES

>> What you should know about home equity lines of credit.

MORTGAGE RATES

Rates effective as of June 19, 2013*

MORTGAGES: CONFORMING 80% Financing - Primary Residence Minimum Loan: $25,000 Maximum Loan: $417,000 Origination Fee: 1%
30-Year Term 4.00% 20-year Term 3.375% 15-Year Term 3.00% 10-Year Term 2.875%
MORTGAGES: CONFORMING 80.01% - 97% Financing - Primary Residence Minimum Loan: $25,000 Maximum Loan: $417,000 Origination Fee: 1% Mortgage insurance will be required for loans greater than 80.00% Loan-To-Value.
30-Year Term 4.25% 20-Year Term 3.625% 15-Year Term 3.25% 10-Year Term 3.125%
MORTGAGES: CONFORMING 80% Financing - First Mortgage Minimum Loan: $25,000 Maximum Loan: $417,000 Origination Fee: No Origination Fee
30-Year Term 4.50% 20-Year Term 3.875% 15-Year Term 3.50% 10-Year Term 3.375%
MORTGAGES: CONFORMING 80.01% - 97% Financing - First Mortgage Minimum Loan: $25,000 Maximum Loan: $417,000 Origination Fee: No Origination Fee Mortgage insurance will be required for loans greater than 80.00% Loan-To-Value.
30-Year Term 4.75% 20-Year Term 4.125% 15-Year Term 3.75% 10-Year Term 3.625%
MORTGAGES: CONFORMING: JUMBO Up to 80% Financing - Primary Residence Minimum Loan: $417,001 Maximum Loan: $750,000 Origination Fee: 1%
30-Year Term 5.00% 20-year Term 4.375% 15-Year Term 4.00% 10-Year Term 3.875%
MORTGAGES: NON-CONFORMING Up to 80% Financing - First Mortgage Minimum Loan: $0 Maximum Loan: $100,000 Origination Fee: 1%
15-Year Term 8.95% 10-Year Term 7.95%
ADJUSTABLE RATE MORTGAGES Maximum Financing is lesser of purchase price or 80% of appraised value Minimum Loan: $25,000 Maximum Loan: $417,000 Origination Fee: 1% plus 1 point
Primary Residence Index +2.50% Second Home Index +2.75%
MORTGAGES: SECOND HOMES 80% Financing Minimum Loan: $25,000 Maximum Loan: $417,000 Origination Fee: 1%
15-Year Term 6.75%
RESIDENTIAL LOTS AND ACREAGE Advanced to the lower: 80% of appraised value or purchase price Minimum Loan: $2,000 Maximum Loan: Five (5) acre maximum
10-Year Term 8.50%
HOME EQUITY LINE OF CREDIT (HELOC) Variable Rate Plan Rate subject to change quarterly and will not exceed 18% Open End Loan Minimum Loan: $5,000 Maximum Loan: $200,000
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FREEDOM MORTGAGE Fixed Rate Plan Closed End Loan Minimum Loan: $5,000 Maximum Loan: $417,000 Max LTV: 15-Year: 75% 10-Year: 75% 7-Year: 70% Closing Costs: 10 and 15-Year terms: None 7-Year at least $50,000: None 7-Year less than $50,000: About $400
15-Year Term 4.00% 10-Year Term 3.75% 7-Year Term 2.875%
HOME EQUITY LOAN Fixed Rate Plan Closed End Loan Minimum Loan: $5,000 Maximum Loan: $200,000 80% Maximum Loan-To-Value
15-Year Term 7.95% 10-Year Term 6.95%

*Rates are subject to change
APR = Annual Percentage Rate

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MORTGAGE RATES

MORTGAGE RATES

Rates effective as of June 19, 2013*

MORTGAGES: CONFORMING

4.00%

3.375%

3.00%

2.875%

MORTGAGES: CONFORMING

4.25%

3.625%

3.25%

3.125%

MORTGAGES: CONFORMING

4.50%

3.875%

3.50%

3.375%

MORTGAGES: CONFORMING

4.75%

4.125%

3.75%

3.625%

MORTGAGES: CONFORMING: JUMBO

5.00%

4.375%

4.00%

3.875%

MORTGAGES: NON-CONFORMING

8.95%

7.95%

ADJUSTABLE RATE MORTGAGES

MORTGAGES: SECOND HOMES

6.75%

RESIDENTIAL LOTS AND ACREAGE

8.50%

HOME EQUITY LINE OF CREDIT (HELOC)

FREEDOM MORTGAGE

4.00%

3.75%

2.875%

HOME EQUITY LOAN

7.95%

6.95%

MORTGAGE RATES

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