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Loan Rates
Effective as of March 9 , 2010 (Rates quoted are for 20% down,
APR=Annual Percentage Rate, Maximum Loan $500,000)Purchase/Refinance
| Term | Interest Rate | Points | APR |
| 30 Yr | 5.125% | 0.000% | 5.162% |
| 4.875% | 1.000% | 4.999% | |
| 4.625% | 2.000% | 4.835% | |
| 20 Yr | 5.000% | 0.000% | 5.049% |
| 15/30* | 4.875% | 0.000% | 4.911% |
| 15 Yr | 4.750% | 0.000% | 4.810% |
| 7/23** | 4.625% | 0.000% | 4.659% |
*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%
| Term | Interest Rate | Points | APR |
| Construction Only 1 yr | 6.750% | 0.500% | 8.994% |
| Const/Perm 30 Yr | 5.125% | 0.500% | 5.308% |
| Const/Perm 20 Yr | 5.000% | 0.500% | 5.243% |
| Const/Perm 15 Yr | 4.750% | 0.500% | 5.049% |
Lot Loans
| Term | Interest Rate | Points | APR |
| 5 yr balloon, fixed rate (15 yr amortization) |
8.375 | 0.500% | 8.552% |
Home Equity
| Term | Interest Rate | Points | APR |
| Open End, Variable rate (Prime - 1/2%) | 5.500% | 0.000% | 5.500% |
| 15 Yr | 5.750% | 0.000% | 5.750% |
| 10 Yr | 5.500% | 0.000% | 5.500% |
| 5 Yr | 5.250% | 0.000% | 5.250% |
Auto Loans and Mobile Home Loans
Please call 410-477-5000 ext 33 for current rates.
