Available real estate loan and mortgage rates are listed below.
All rates are subject to change. APR = Annual Percentage Rate.
Disclaimer: Terms and Conditions subject to change without notice. Subject to member credit approval. Rate may vary based on individual creditworthiness.
Rates last updated on Aug 8, 2019.
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First Mortgage with 1% Origination Fee Primary Residence
| Max Term (Years) |
Max LTV% |
Max Loan |
7 yr. Rate |
10 yr. Rate |
15 yr. Rate |
20 yr. Rate |
30 yr. Rate |
Min. Loan |
| 30 |
80% |
$484.350 |
N/A |
3.250% |
3.500% |
3.750% |
3.875% |
$25,000 |
| 30 |
80.01%-95% |
$484.350 |
N/A |
3.250% |
3.500% |
4.000% |
4.125% |
$25,000 |
| 30 |
95.01%-97% |
$484.350 |
N/A |
3.250% |
3.500% |
4.250% |
4.375% |
$25,000 |
First Mortgage with No Origination Fee Primary Residence
| Max Term (Years) |
Max LTV% |
Max Loan |
7 yr. Rate |
10 yr. Rate |
15 yr. Rate |
20 yr. Rate |
30 yr. Rate |
Min. Loan |
| 30 |
80% |
$484,350 |
N/A |
3.500% |
3.750% |
4.000% |
4.125% |
$25,000 |
| 30 |
80.01%-95% |
$484,350 |
N/A |
3.500% |
3.750% |
4.250% |
4.375% |
$25,000 |
| 30 |
95.01%-97% |
$484,350 |
N/A |
3.500% |
3.750% |
4.500% |
4.625% |
$25,000 |
Jumbo Mortgage: First Mortgage with 1% Origination Fee Primary Residence
| Max Term (Years) |
Max LTV% |
Max Loan |
7 yr. Rate |
10 yr. Rate |
15 yr. Rate |
20 yr. Rate |
30 yr. Rate |
Min. Loan |
| 30 |
80% |
$750,000 |
N/A |
3.625% |
4.375% |
4.500% |
5.125% |
$484.351 |
Construction to Permanent with 1% Origination Fee Primary Residence
| Max Term (Years) |
Max LTV% |
Max Loan |
7 yr. Rate |
10 yr. Rate |
15 yr. Rate |
20 yr. Rate |
30 yr. Rate |
Min. Loan |
| 30 |
80% |
$484,350 |
N/A |
3.750% |
4.000% |
4.250% |
4.375% |
$25,000 |
| 30 |
80.01%-95% |
$484,350 |
N/A |
3.750% |
4.000% |
4.500% |
4.750% |
$25,000 |
Non Conforming First Mortgage
| Max Term (Years) |
Max LTV% |
Max Loan |
7 yr. Rate |
10 yr. Rate |
15 yr. Rate |
20 yr. Rate |
30 yr. Rate |
Min. Loan |
| 10 |
80% |
$100,000 |
N/A |
7.95% |
N/A |
N/A |
N/A |
$5,000 |
| 15 |
80% |
$100,000 |
N/A |
N/A |
8.95% |
N/A |
N/A |
$5,000 |
Investment Property with 1 Origination Point and 1 Discount Point
| Max Term (Years) |
Max LTV% |
Max Loan |
7 yr. Rate |
10 yr. Rate |
15 yr. Rate |
20 yr. Rate |
30 yr. Rate |
Min. Loan |
| 15 |
80% |
$484,350 |
N/A |
N/A |
7.00% |
N/A |
N/A |
$25,000 |
Adjustable Rate Mortgages - 1% Origination Fee Plus 1 Point
| Max Term (Years) |
Max LTV% |
Max Loan |
7 yr. Rate |
10 yr. Rate |
15 yr. Rate |
20 yr. Rate |
30 yr. Rate |
Min. Loan |
| 30 |
Max. loan is lesser of purchase price or 80% of appraised value |
$484,350 |
N/A |
N/A |
N/A |
N/A |
Index +2.50% |
$25,000 |
| 15 |
Max. loan is lesser of purchase price or 80% of appraised value |
$484.350 |
N/A |
N/A |
Index + 2.75% |
N/A |
N/A |
$25,000 |
Second Home
| Max Term (Years) |
Max LTV% |
Max Loan |
7 yr. Rate |
10 yr. Rate |
15 yr. Rate |
20 yr. Rate |
30 yr. Rate |
Min. Loan |
| 15 |
80% |
$484,350 |
N/A |
N/A |
6.75% |
N/A |
N/A |
$25,000 |
Residential Lots and Acreage
| Max Term (Years) |
Max LTV% |
Max Loan |
7 yr. Rate |
10 yr. Rate |
15 yr. Rate |
20 yr. Rate |
30 yr. Rate |
Min. Loan |
| 10 |
Advance the lower of: 80% or appraised value or purchased price |
10 acre maximum |
N/A |
8.50% |
N/A |
N/A |
N/A |
$2,000 |
Home Equity Line of Credit (HELOC)
Home Equity Line of Credit interest rates are variable and equal to the current prime rate as published by the Wall Street Journal.
| Max Term (Years) |
Max LTV% |
Max Loan |
7 yr. Rate |
10 yr. Rate |
15 yr. Rate |
20 yr. Rate |
30 yr. Rate |
Min. Loan |
| Open-End |
80% |
$200,000 |
N/A |
5.250% |
N/A |
N/A |
18% |
$5,000 minimum advance |
Freedom 7 Mortgage
| Max Term (Years) |
Max LTV% |
Max Loan |
7 yr. Rate |
10 yr. Rate |
15 yr. Rate |
20 yr. Rate |
30 yr. Rate |
Min. Loan |
| 7 |
70% |
$484.350 |
3.375% |
N/A |
N/A |
N/A |
N/A |
$5,000 |
Freedom 10 Mortgage
| Max Term (Years) |
Max LTV% |
Max Loan |
7 yr. Rate |
10 yr. Rate |
15 yr. Rate |
20 yr. Rate |
30 yr. Rate |
Min. Loan |
| 10 |
75% |
$484,350 |
N/A |
3.500% |
N/A |
N/A |
N/A |
$5,000 |
Freedom 15 Mortgage
| Max Term (Years) |
Max LTV% |
Max Loan |
7 yr. Rate |
10 yr. Rate |
15 yr. Rate |
20 yr. Rate |
30 yr. Rate |
Min. Loan |
| 15 |
75% |
$484,350 |
N/A |
N/A |
3.750% |
N/A |
N/A |
$5,000 |
Dynasty 20 Mortgage
| Max Term (Years) |
Max LTV% |
Max Loan |
7 yr. Rate |
10 yr. Rate |
15 yr. Rate |
20 yr. Rate |
30 yr. Rate |
Min. Loan |
| 20 |
75% |
$484,350 |
N/A |
N/A |
N/A |
4.000% |
N/A |
$5,000 |
Dynasty 25 Mortgage
| Max Term (Years) |
Max LTV% |
Max Loan |
7 yr. Rate |
10 yr. Rate |
15 yr. Rate |
20 yr. Rate |
30 yr. Rate |
Min. Loan |
| 25 |
75% |
$484,350 |
N/A |
N/A |
N/A |
N/A |
4.250% |
$5,000 |
Home Equity Loan
| Max Term (Years) |
Max LTV% |
Max Loan |
7 yr. Rate |
10 yr. Rate |
15 yr. Rate |
20 yr. Rate |
30 yr. Rate |
Min. Loan |
| 15 |
80% |
$200,000 |
N/A |
6.950% |
7.950% |
N/A |
N/A |
$5,000 |
