a small group of employees holding letters which spell out support

Loan Rates

Effective 08/13/2019

(Rates quoted are for 20% down, APR=Annual Percentage Rate, Maximum Loan $500,000, Rate Chart based on a loan amount of $150,000. Rates can differ from the chart based on detrimental credit information reported on credit applicants.  All loans subject to approval.)

TermInterest RatePointsAPRMonthly P&I Payment Per $1,000 borrowed

Term


Purchase / Refinance

Interest Rate


Points


APR


Monthly P&I Payment Per $1,000 borrowed


Term


Term

Interest Rate


Points


APR


Monthly P&I Payment Per $1,000 borrowed


Term


30 yr

Interest Rate


4.250%

Points


0.000%

APR


4.318%

Monthly P&I Payment Per $1,000 borrowed


$4.92

Term


20 yr

Interest Rate


3.875%

Points


0.000%

APR


3.968%

Monthly P&I Payment Per $1,000 borrowed


$5.99

Term


15 yr

Interest Rate


3.750%

Points


0.000%

APR


3.866%

Monthly P&I Payment Per $1,000 borrowed


$7.27

Term


10 yr

Interest Rate


3.625%

Points


0.000%

APR


3.792%

Monthly P&I Payment Per $1,000 borrowed


$9.95

Term


Jumbo Loans

Interest Rate


APR


Monthly P&I Payment Per $1,000 borrowed


Term


Term

Interest Rate


Points


APR


Monthly P&I Payment Per $1,000 borrowed


Term


30 yr

Interest Rate


4.500%

Points


0.000%

APR


4.567%

Monthly P&I Payment Per $1,000 borrowed


$5.07

Term


Construction Loans

Interest Rate


Points


APR


Monthly P&I Payment Per $1,000 borrowed


Term


Construction Only 1 yr

Interest Rate


4.500%

Points


0.500%

APR


8.437%

Monthly P&I Payment Per $1,000 borrowed


Interest only $3.75

Term


Construction / Perm 30 yr

Interest Rate


4.500%

Points


0.500%

APR


4.680%

Monthly P&I Payment Per $1,000 borrowed


$5.07

Term


Construction / Perm 20 yr

Interest Rate


4.125%

Points


0.500%

APR


4.367%

Monthly P&I Payment Per $1,000 borrowed


$6.13

Term


Construction / Perm 15 yr

Interest Rate


4.000%

Points


0.500%

APR


4.308%

Monthly P&I Payment Per $1,000 borrowed


$7.40

Term


Lot Loans

Interest Rate


Points


APR


Monthly P&I Payment Per $1,000 borrowed


Term


10 yr

Interest Rate


6.500%

Points


0.500%

APR


6.813%

Monthly P&I Payment Per $1,000 borrowed


$11.35

Term


Home Equity
*Down payment does not apply.

Interest Rate


Points


APR


Monthly P&I Payment Per $1,000 borrowed


Term


Open End, Variable rate (Prime - 1/4% Rate Cap 18.00% APR)

Interest Rate


Variable

Points


0.000%

APR


Variable

Monthly P&I Payment Per $1,000 borrowed


Variable

Term


15 yr fixed

Interest Rate


5.250%

Points


0.000%

APR


5.250%

Monthly P&I Payment Per $1,000 borrowed


$8.04

Term


10 yr fixed

Interest Rate


4.625%

Points


0.000%

APR


4.625%

Monthly P&I Payment Per $1,000 borrowed


$10.42

Term


5 yr fixed

Interest Rate


4.125%

Points


0.000%

APR


4.125%

Monthly P&I Payment Per $1,000 borrowed


$18.47

Note:  Consult your tax advisor regarding deductibility of interest.

Auto & Mobile Home Rates Contact
Jamie Gerber
410-477-5000 Ext. 33
NMLS# 466659

Contact Us

Phone:
410-477-5000
Fax:
410-477-1020
Address:
7114 North Point Road Baltimore, MD  21219

Search Our Site

Shareholder Information

Copryright Bay-Vanguard. All Rights Reserved.

Privacy Statement | 2018 Proxy Statement & Annual Report | Press Releases | Symbol “BVFL”

Logo FDIC Logo Equal Housing Lenders