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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% |
*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 | 6.875% | 0.500% | 9.565% |
| Const/Perm 30 Yr | 5.125 | 0.500% | 5.280% |
| Const/Perm 20 Yr | 5.000% | 0.500% | 5.209% |
| Const/Perm 15 Yr | 4.750% | 0.500% | 5.011% |
Lot Loans
| Term | Interest Rate | Points | APR |
| 5 yr balloon, fixed rate (15 yr amortization) |
8.500% | 0.500% | 8.681% |
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% |
| 5 Yr | 5.500% | 0.000% | 5.500% |
Auto Loans and Mobile Home Loans
Please call 410-477-5000 ext 33 for current rates.
