Fixed-Rate Mortgage

Consider a fixed-rate mortgage if you plan to stay in your home for a number of years, or if your income will remain relatively level over time.


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Adjustable-Rate Mortgage

Consider an adjustable-rate mortgage if you plan to sell your home or pay off your loan in the next 10 years, or if your income will increase significantly over time.

 

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Refinancing

Consider refinancing if you want to consolidate debt or make improvements to your home. You may also want to refinance to lower your interest rate.


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Good Neighbor Mortgages

No money down! Up to 100% financing without private mortgage insurance (PMI). Available in certain cities/towns. 

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More Mortgage Options
Construction Loans HomeStyle Renovation Mortgage Land Loans
FHA, CHFA, and USDA Loans VA Loans Down Payment Assistance

Rates

Mortgage Rates
Loan Points Interest Rate APR1
15 Year Fixed Mortgage2 0 6.875% 6.984%
30 Year Fixed Mortgage3 0 7.125% 7.193%
10/6m ARM4 0 6.750% 7.261%
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Disclosures

Rates effective as of:

  1. Annual Percentage Rate (APR) and rate posted are indications only, are subject to change without notice and qualification is subject to credit, underwriting and property approval. Your actual rate and/or points may be different as many factors go into providing you with a mortgage loan. The information provided assumes the purpose of the loan is to purchase a single family home as a primary residence with a loan amount of $240,000 and an estimated property value of $320,000 (25% down payment or a maximum loan to value of 75%) with no subordinate financing. It assumes the minimum credit score is 780, an escrow account is required, and the rate lock period is 60 days.
  1. The payment schedule would be 179 payments of $2,140.45 and 1 payment of $2,140.57. This payment amount includes principal and interest and does not include taxes and insurance, the actual payment will be greater.
  2. The payment schedule would be 359 payments of $1,616.92 and 1 payment of $1,622.36. This payment amount includes principal and interest and does not include taxes and insurance, the actual payment will be greater.
  1. 10/6m Adjustable Rate Mortgage (ARM) are variable rate loans. After the initial fixed-rate period, the interest rate can increase or decrease every 6 months. This interest rate will be determined based upon an index plus a margin. The index is based on the 30-day Average SOFR index published by the Federal Reserve Bank of New York. The margin is 2.75%. The payment schedule would be 120 payments of $1,556.64 at an interest rate of 6.750%, 239 payments of $1,728.33 at an interest rate of 8.125% and 1 payment of $1,730.91 at an interest rate of 8.125%. This payment amount includes principle and interest and does not include taxes and insurance, the actual payment will be greater.

All loans are subject to credit and underwriting approval. Additional terms and conditions apply, ask your loan officer for details.

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