Rates effective as of January 13, 2025 and are subject to change without notice. All payments are estimates and subject to final approval.
Payment Examples
Mortgage loans
| 10-Year Fixed |
120 months |
| Down Payment Amount or Percentage Requirement* |
3%
|
| Loan Amount |
$100,000 |
| Term |
120 |
| Rate |
5.875% |
| |
|
| Payment Amount |
$1,103.94 |
| *Applicant must meet minimum underwriting standards to qualify for 3% down payment. |
| 15-Year Fixed |
180 months |
| Down Payment Amount or Percentage Requirement* |
3%
|
| Loan Amount |
$100,000 |
| Term |
180 |
| Rate |
5.875% |
| |
|
| Payment Amount |
$837.12 |
| *Applicant must meet minimum underwriting standards to qualify for 3% down payment. |
| 20-Year Fixed |
240 months |
| Down Payment Amount or Percentage Requirement* |
3%
|
| Loan Amount |
$100,000 |
| Term |
240 |
| Rate |
6.375% |
| |
|
| Payment Amount |
$738.23 |
| *Applicant must meet minimum underwriting standards to qualify for 3% down payment. |
| 30-Year Fixed |
360 months |
| Down Payment Amount or Percentage Requirement* |
3%
|
| Loan Amount |
$100,000 |
| Term |
360 |
| Rate |
6.500% |
| |
|
| Payment Amount |
$632.07 |
| *Applicant must meet minimum underwriting standards to qualify for 3% down payment. |
| No Closing Cost 15-Year Fixed |
180 months |
| Down Payment Amount or Percentage Requirement* |
3%
|
| Loan Amount |
$100,000 |
| Term |
180 |
| Rate |
6.125% |
| |
|
| Payment Amount |
$850.62 |
| *Applicant must meet minimum underwriting standards to qualify for 3% down payment. |
| No Closing Cost 20-Year Fixed |
240 months |
| Down Payment Amount or Percentage Requirement* |
3%
|
| Loan Amount |
$100,000 |
| Term |
240 |
| Rate |
6.625% |
| |
|
| Payment Amount |
$752.95 |
| *Applicant must meet minimum underwriting standards to qualify for 3% down payment. |
| No Closing Cost 30-Year Fixed |
360 months |
| Down Payment Amount or Percentage Requirement* |
3%
|
| Loan Amount |
$100,000 |
| Term |
360 |
| Rate |
6.750% |
| |
|
| Payment Amount |
$648.60 |
| *Applicant must meet minimum underwriting standards to qualify for 3% down payment. |
| Retirement Ready 5-Year Fixed |
60 months |
| Down Payment Amount or Percentage Requirement* |
30%
|
| Loan Amount |
$100,000 |
| Term |
60 |
| Rate |
5.750% |
| |
|
| Payment Amount |
$1,921.68 |
| *Applicant must meet minimum underwriting standards to qualify for 30% down payment. |
| Retirement Ready 10-Year Fixed |
120 months |
| Down Payment Amount or Percentage Requirement* |
30%
|
| Loan Amount |
$100,000 |
| Term |
120 |
| Rate |
5.875% |
| |
|
| Payment Amount |
$1,103.94 |
| *Applicant must meet minimum underwriting standards to qualify for 30% down payment. |
| FHA 15-Year Fixed |
180 months |
| Down Payment Amount or Percentage Requirement* |
3.50%
|
| Loan Amount |
$100,000 |
| Term |
180 |
| Rate |
5.875% |
| |
|
| Payment Amount |
$837.12 |
| *Applicant must meet minimum underwriting standards to qualify for 3.50% down payment. |
| FHA 30-Year Fixed |
360 months |
| Down Payment Amount or Percentage Requirement* |
3.50%
|
| Loan Amount |
$100,000 |
| Term |
360 |
| Rate |
6.500% |
| |
|
| Payment Amount |
$632.07 |
| *Applicant must meet minimum underwriting standards to qualify for 3.50% down payment. |
| FHA No Closing Cost 15-Year Fixed |
180 months |
| Down Payment Amount or Percentage Requirement* |
3.50%
|
| Loan Amount |
$100,000 |
| Term |
180 |
| Rate |
6.125% |
| |
|
| Payment Amount |
$850.62 |
| *Applicant must meet minimum underwriting standards to qualify for 3.50% down payment. |
| FHA No Closing Cost 30-Year Fixed |
360 months |
| Down Payment Amount or Percentage Requirement* |
3.50%
|
| Loan Amount |
$100,000 |
| Term |
360 |
| Rate |
6.750% |
| |
|
| Payment Amount |
$648.60 |
| *Applicant must meet minimum underwriting standards to qualify for 3.50% down payment. |
| 3/6 Adjustable Rate Mortgage (ARM) |
360 months |
| Down Payment Amount or Percentage Requirement* |
5%
|
| Loan Amount |
$100,000 |
| Term |
360 |
| Rate |
6.125% |
| |
|
| Payment Amount |
$607.61 |
| *Applicant must meet minimum underwriting standards to qualify for 5% down payment. |
| 5/6 Adjustable Rate Mortgage (ARM) |
360 months |
| Down Payment Amount or Percentage Requirement* |
5%
|
| Loan Amount |
$100,000 |
| Term |
360 |
| Rate |
6.250% |
| |
|
| Payment Amount |
$615.72 |
| *Applicant must meet minimum underwriting standards to qualify for 5% down payment. |
| 7/6 Adjustable Rate Mortgage (ARM) |
360 months |
| Down Payment Amount or Percentage Requirement* |
5%
|
| Loan Amount |
$100,000 |
| Term |
360 |
| Rate |
6.750% |
| |
|
| Payment Amount |
$648.60 |
| *Applicant must meet minimum underwriting standards to qualify for 5% down payment. |
| No Closing Costs - 3/6 Adjustable Rate Mortgage (ARM) PURCHASE |
360 months |
| Down Payment Amount or Percentage Requirement* |
5%
|
| Loan Amount |
$100,000 |
| Term |
360 |
| Rate |
6.375% |
| |
|
| Payment Amount |
$623.87 |
| *Applicant must meet minimum underwriting standards to qualify for 5% down payment. |
| No Closing Costs - 5/6 Adjustable Rate Mortgage (ARM) PURCHASE |
360 months |
| Down Payment Amount or Percentage Requirement* |
5%
|
| Loan Amount |
$100,000 |
| Term |
360 |
| Rate |
6.500% |
| |
|
| Payment Amount |
$632.07 |
| *Applicant must meet minimum underwriting standards to qualify for 5% down payment. |
| No Closing Costs - 7/6 Adjustable Rate Mortgage (ARM) PURCHASE |
360 months |
| Down Payment Amount or Percentage Requirement* |
5%
|
| Loan Amount |
$100,000 |
| Term |
360 |
| Rate |
6.750% |
| |
|
| Payment Amount |
$648.60 |
| *Applicant must meet minimum underwriting standards to qualify for 5% down payment. |
| Land Loan |
360 months |
| Down Payment Amount or Percentage Requirement* |
20%
|
| Loan Amount |
$100,000 |
| Term |
360 |
| Rate |
7.500% |
| |
|
| Payment Amount |
$716.41 |
| *Applicant must meet minimum underwriting standards to qualify for 20% down payment. |
