3/3 Year ARM (Conforming)
Annual Percentage Rate (APR) & Margins are based on your credit history. Up to 95% financing – additional restrictions may apply. Maximum amount $1,000,000 up to a term of 40 years, JUMBO Mortgages available at .25 basis points above current offering ARM rates up to $1,000,000. ARM Floor rate = 3.0%; CAPS 3/6; Maximum LTV of 90% and Maximum Loan Amount of $500,000 for second homes. Homeowner insurance required. Flood insurance may be required. Additional restrictions may apply.
5/1 Year ARM (Conforming)
Annual Percentage Rate (APR) & Margins are based on your credit history. Up to 95% financing – additional restrictions may apply. Maximum amount $1,000,000 up to a term of 40 years, JUMBO Mortgages available at .25 basis points above current offering ARM rates up to $1,000,000. ARM Floor rate = 3.0%; CAPS 3/6; Maximum LTV of 90% and Maximum Loan Amount of $500,000 for second homes. Homeowner insurance required. Flood insurance may be required. Additional restrictions may apply.
5/5 Year ARM (Conforming)
Annual Percentage Rate (APR) & Margins are based on your credit history. Up to 95% financing – additional restrictions may apply. Maximum amount $1,000,000 up to a term of 40 years, JUMBO Mortgages available at .25 basis points above current offering ARM rates up to $1,000,000. ARM Floor rate = 3.0%; CAPS 3/6; Maximum LTV of 90% and Maximum Loan Amount of $500,000 for second homes. Homeowner insurance required. Flood insurance may be required. Additional restrictions may apply.
15 Year Fixed (Conforming)
Rate is based on a FICO score of 740+, loan amount of $250,000, and a 75% LTV (loan to value) for a single family home. Rates and fees apply to loans that meet Secondary Mortgage Market underwriting standards; additional rate and fees may apply for loans outside of those guidelines. Annual Percentage Rate (APR) are based on your credit history. Maximum Loan Amount of $500,000 for second homes. Rates locked in are valid for 60-days. Homeowner insurance required. Flood insurance may be required.
20 Year Fixed (Conforming)
Rate is based on a FICO score of 740+, loan amount of $250,000, and a 75% LTV (loan to value) for a single family home. Rates and fees apply to loans that meet Secondary Mortgage Market underwriting standards; additional rate and fees may apply for loans outside of those guidelines. Annual Percentage Rate (APR) are based on your credit history. Maximum Loan Amount of $500,000 for second homes. Rates locked in are valid for 60-days. Homeowner insurance required. Flood insurance may be required.
30 Year Fixed (Conforming)
Rate is based on a FICO score of 740+, loan amount of $250,000, and a 75% LTV (loan to value) for a single family home.Rates and fees apply to loans that meet Secondary Mortgage Market underwriting standards; additional rate and fees may apply for loans outside of those guidelines. Annual Percentage Rate (APR) are based on your credit history. Maximum Loan Amount of $500,000 for second homes. Rates locked in are valid for 60-days. Homeowner insurance required. Flood insurance may be required.
HELOC Var 80% (Other)
Annual Percentage Rate (APR) is 9.351% and is based on an amount of $25,000 for a term of 15 years. Your actual rate and margins will be determined by your credit history. Terms and conditions may vary. Rate is variable, based on the Wall Street Journal Prime Rate plus a margin as of 08/01/2023 and is subject to change at any time. Home Equity Line adjusts semi-annually with a cap of 2/8 and a floor rate of 3.0%; with a maximum rate of 19.75% with an 80% Loan-To-Value(LTV). Maximum loan amount $500,000. Rates are subject to change at any time. $250.00 application fee. Estimated fees total between $850 and $1650. Homeowner insurance required; Flood insurance may be required. Total first & second mortgage cannot exceed $1,000,000.
HELOC Fix 80% (Conforming)
$250.00 application fee. Estimated fees total between $850 and $1650. Homeowner insurance required; Flood insurance may be required. Total first & second mortgage cannot exceed $1,000,000.
HELOC Var 100% (Conforming)
Annual Percentage Rate (APR) is 12.213%, loan subject to underwriting qualifications, terms and conditions may vary. Your actual rate and margins will be determined by your credit history. Rate is variable, based on the Wall St. Journal Prime Rate plus a margin of 2.50% as of 08/01/2023 and is subject to change at any time, with a maximum rate of 19.75%. Home Equity Line adjusts semi-annually with a cap of 2/8 and a floor rate of 5.0%, maximum Loan-To-Value 100%; maximum credit line is $250,000 for owner occupied property. $250.00 application fee. Estimated fees total between $850 and $1650. Homeowner insurance required; Flood insurance may be required. Total first & second mortgage cannot exceed $1,000,000.
Investment ARM (Conforming)
Annual Percentage Rate (APR) & Margins are based on your credit history. Up to 75% financing - additional restrictions may apply. 5/5 ARM Floor rate = 3.0%; CAPS 3/6; Maximum loan amount of $500,000 for non-owner occupied investment properties. Homeowner insurance required. Flood insurance may be required. Additional restrictions may apply.
Investment HELOC (Other)
Annual Percentage Rate (APR) is 12.213%and is based on an amount of $25,000 for a term of 15 years. Your actual rate and margins will be determined by your credit history. Terms and conditions may vary. Maximum loan amount $500,000. Rate is variable, based on the Wall Street Journal Prime Rate as of 08/01/2023 and is subject to change at any time. Home Equity Line adjusts semi-annually with a cap of 2/8 and a floor rate of 4.0%; with a maximum rate of 19.75%. Total 1st and 2nd mortgage cannot exceed $500,000. Maximum LTV 75%. See Mortgage Loan Officer for more details. Requests exceeding the above non-owner occupied programs will be referred to our Commercial Loan Department. Estimated fees total between $800 and $1200. Homeowner insurance required; Flood insurance may be required.