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 |
95.01%-97% |
$484.350 |
N/A |
3.250% |
3.500% |
4.250% |
4.375% |
$25,000 |
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 |
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 |