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Loan Rates
Effective as of
July
14
,
2010
(Rates quoted are for 20% down,
APR=Annual Percentage Rate, Maximum Loan $500,000)
Purchase/Refinance
| Term |
Interest
Rate |
Points |
APR |
| 30
Yr |
5.000%
|
0.000%
|
5.037%
|
| |
4.750%
|
1.000%
|
4.874%
|
| |
4.500%
|
2.000%
|
4.709%
|
| 20
Yr |
4.875%
|
0.000%
|
4.925%
|
| 15/30* |
4.750%
|
0.000%
|
4.786%
|
| 15 Yr |
4.625%
|
0.000%
|
4.686%
|
| 7/23** |
4.500%
|
0.000%
|
4.535%
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*15 Year term, 30 Year amortization
**Annual
Percentage Rate may change after 7 years
Jumbo Loans (greater than $500,000)
| Term |
Interest Rate |
Points |
APR |
| 30 Yr |
6.250% |
0.000% |
6.294% |
Construction
Loans
| Term |
Interest
Rate |
Points |
APR |
| Construction
Only 1 yr |
6.875%
|
0.500%
|
9.565%
|
| Const/Perm
30 Yr |
5.125
|
0.500%
|
5.280%
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| Const/Perm
20 Yr |
5.000%
|
0.500%
|
5.209%
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| Const/Perm
15 Yr |
4.750%
|
0.500%
|
5.011%
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Lot
Loans
| Term |
Interest Rate |
Points |
APR |
5 yr balloon, fixed rate
(15 yr amortization) |
8.500%
|
0.500%
|
8.681%
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Home
Equity
| Term |
Interest
Rate |
Points |
APR |
| Open
End, Variable rate (Prime - 1/2%) |
5.500%
|
0.000%
|
5.500%
|
| 15
Yr |
6.000%
|
0.000%
|
6.000%
|
| 10
Yr |
5.750%
|
0.000%
|
5.750%
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| 5
Yr |
5.500%
|
0.000%
|
5.500%
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Auto Loans and Mobile
Home Loans
Please call 410-477-5000 ext 33 for current rates.
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