Home Loan Rates




Disclosures and Assumptions

All applications are subject to credit approval; not all applicants will be approved. Full income and asset documentation is required. Loan secured by a lien against your property. Interest rates, points and Annual Percentage Rates (APRs) may differ by product and State and be adjusted based upon your credit history, loan-to-value (LTV), occupancy, property type, loan amount and loan purpose. Mortgage loans may not be available in all areas. Estimated payments do not include amounts for taxes and insurance and your actual payment may be greater.

Information displayed above on rates, loan products and fees is the most current available and is subject to change without notice. If you do not lock in a rate when you apply, your rate at closing may differ from the rate in effect when you applied.

The displayed Annual Percentage Rate (APR) for the loan products shown in the table above reflects the interest rate and the approximate cost of prepaid finance charges, including points, but does not include other costs or discount points. The actual fees, costs and monthly payment on your specific loan transaction may vary and may include additional fees and costs. For example, loans with LTVs in excess of 80% typically require mortgage insurance which will increase both your APR and monthly payment.


FIXED-RATE AND HIGH-BALANCE FIXED-RATE MORTGAGES

Fixed-rate payment example is based on a $300,000 loan amount and high-balance fixed-rate payment example is based on a $600,000 loan amount, both with 45 day lock pricing and $2,000 in other Prepaid Finance Charges. Interest rate is fixed for loan term. Payment example excludes taxes and insurance; total payment will be higher. Quoted rates are for an owner-occupied single-family residence property, purchase transaction with a loan-to-value ratio of 70% and minimum FICO score of 760.


JUMBO ADJUSTABLE-RATE MORTGAGES (ARMs)

Payment example is based on an $800,000 loan amount with 45 day lock pricing and $2,000 in other Prepaid Finance Charges. Rate and payments may increase after consummation. After the initial fixed period, your interest rate can change annually and any change will impact your monthly payment. Payment example excludes taxes and insurance; total payment will be higher. Quoted rates are for an owner-occupied single-family residence property, purchase transaction with a loan-to-value ratio of 70% and minimum FICO score of 760.


FEDERAL HOUSING ADMINISTRATION (FHA) FIXED-RATE AND HIGH-BALANCE FIXED-RATE MORTGAGES

FHA fixed-rate payment example is based on a $289,500 loan amount and FHA high-balance fixed-rate payment example based on a $650,000 loan amount, both with 45 day lock pricing and $2,000 in other Prepaid Finance Charges. Interest rate is fixed for loan term. FHA loans are subject to an up-front mortgage insurance premium (UFMIP) and an annual mortgage insurance premium (MIP). The premium varies based on your specific loan transaction. An estimated mortgage insurance payment has been included in the payment example for illustrative purposes. Payment example excludes taxes, insurance, and UFMIP; total payment will be higher. Quoted rates are for an owner-occupied property, purchase transaction with a loan-to-value ratio of 96.5% and a FICO score greater than 720.



Disclosures and Assumptions

All applications are subject to credit approval; not all applicants will be approved. Full income and asset documentation is required. Loan secured by a lien against your property. Interest rates, points and Annual Percentage Rates (APRs) may differ by product and State and be adjusted based upon your credit history, loan-to-value (LTV), occupancy, property type, loan amount and loan purpose. Mortgage loans may not be available in all areas. Estimated payments do not include amounts for taxes and insurance and your actual payment may be greater.

Information displayed above on rates, loan products and fees is the most current available and is subject to change without notice. If you do not lock in a rate when you apply, your rate at closing may differ from the rate in effect when you applied.

The displayed Annual Percentage Rate (APR) for the loan products shown in the table above reflects the interest rate and the approximate cost of prepaid finance charges, including points, but does not include other costs or discount points. The actual fees, costs and monthly payment on your specific loan transaction may vary and may include additional fees and costs. For example, loans with LTVs in excess of 80% typically require mortgage insurance which will increase both your APR and monthly payment.


FIXED-RATE AND HIGH-BALANCE FIXED-RATE MORTGAGES

Fixed-rate payment example is based on a $300,000 loan amount and high-balance fixed-rate payment example is based on a $600,000 loan amount, both with 45 day lock pricing and $2,000 in other Prepaid Finance Charges. Interest rate is fixed for loan term. Payment example excludes taxes and insurance; total payment will be higher. Quoted rates are for an owner-occupied single-family residence property, refinance transaction with a loan-to-value ratio of 70% and minimum FICO score of 760.


JUMBO ADJUSTABLE-RATE MORTGAGES (ARMs)

Payment example is based on an $800,000 loan amount with 45 day lock pricing and $2,000 in other Prepaid Finance Charges. Rate and payments may increase after consummation. After the initial fixed period, your interest rate can change annually and any change will impact your monthly payment. Payment example excludes taxes and insurance; total payment will be higher. Quoted rates are for an owner-occupied single-family residence property, refinance transaction with a loan-to-value ratio of 70% and minimum FICO score of 760.


FEDERAL HOUSING ADMINISTRATION (FHA) FIXED-RATE AND HIGH-BALANCE FIXED-RATE MORTGAGES

FHA fixed-rate payment example is based on a $289,500 loan amount and FHA high-balance fixed-rate payment example is based on a $650,000 loan amount, both with 45 day lock pricing and $2,000 in other Prepaid Finance Charges. Interest rate is fixed for loan term. FHA loans are subject to an up-front mortgage insurance premium (UFMIP) and an annual mortgage insurance premium (MIP). The premium varies based on your specific loan transaction. An estimated mortgage insurance payment has been included in the payment example for illustrative purposes. Payment example excludes taxes, insurance, and UFMIP; total payment will be higher. Quoted rates are for an owner-occupied property, refinance transaction with a loan-to-value ratio of 96.5% and a FICO score greater than 720.