Mortgage Daily Rates

Rate and Payment Details

Below are the details of the Rate and Payment that will apply over the term of the loan. The payments listed below do not include amounts for taxes and insurance. If the Loan is an Adjustable Rate Loan, a current reasonable Index and Margin were used to display potential future Rate and/or Payment changes. If the Loan is a Home Equity Line of Credit (HELOC) the payments shown below are calculated using the full loan amount.

 

Initial Interest Rate: On a Fixed rate loan, it is the rate for the entire life of the loan. On an Adjustable Rate Loan it is the interest rate that is fixed for some specified number of months at the beginning of the loan term.

APR: Annual Percentage Rate the rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees.

Fully Indexed Rate: The current index value plus the margin on an Adjustable Rate Loan

Max Interest Rate: The maximum rate that may occur on your Adjustable Rate Loan

Months to First Rate Adjustment: The period of time before your interest rate will adjust on an Adjustable Rate Loan

Interest Only Term: The period of time where the monthly mortgage payment consists of interest only. During that period, the loan balance remains unchanged


30 Year Fixed w/ .125 Points

Initial Interest Rate: 5.250%

APR: 5.336%

Fully Indexed Rate: N/A

Maximum Interest

Rate: N/A

Months to First Rate Adjustment: N/A

Interest Only Term: 0 Months

 

Permanent Loan Payment Stream

Payment Month(s): 1 - 359

Monthly Mortgage (P&I): $1,325.29

Rate: 5.250%

Month(s): 360

Monthly Mortgage (P&I): $1,324.36

Rate: 5.250%


20 Year Fixed w/ .500 Points

Initial Interest Rate: 4.750%

APR: 4.908%

Fully Indexed Rate: N/A

Maximum Interest Rate: N/A

Months to First Rate Adjustment: N/A

Interest Only Term: 0 Months

 

Permanent Loan Payment Stream

Payment Month(s): 1 - 239

Monthly Mortgage (P&I): $1,550.94

Rate:  4.750%

Payment Month(s): 240

Monthly Mortgage (P&I): $1,549.59

Rate: 4.750%



15 Year Fixed w/ .375 Points

Initial Interest Rate: 4.375%

APR: 4.554%

Fully Indexed Rate: N/A

Maximum Interest Rate: N/A

Months to First Rate Adjustment: N/A

Interest Only Term: 0 Months

 

Permanent Loan Payment Stream

Payment Month(s): 1 - 179

Monthly Mortgage (P&I): $1,820.69

Rate: 4.375%

Payment Month(s): 180

Monthly Mortgage (P&I): $1,820.44

Rate: 4.375%




5/1 Year ARM

Initial Interest Rate: 4.625%

APR: 4.879%

Fully Indexed Rate: 4.915%

Maximum Interest Rate: 9.625%

Months to First Rate Adjustment: 60 Months

Interest Only Term: 0 Months

 

Permanent Loan Payment Stream

Payment Month(s): 1 - 60

Monthly Mortgage (P&I): $1,233.93

Rate: 4.625%

Payment Month(s): 61 - 359

Monthly Mortgage (P&I): $1,270.54

Rate: 4.915%

Payment Month(s): 360

Monthly Mortgage (P&I): $1,267.74

Rate: 4.915%




10/1 Year ARM

Initial Interest Rate: 4.875%

APR: 4.962%

Fully Indexed Rate: 4.915%

Maximum Interest Rate: 9.875%

Months to First Rate Adjustment: 120 Months

Interest Only Term: 0 Months

 

Permanent Loan Payment Stream

Payment Month(s): 1 - 120

Monthly Mortgage (P&I): $1,270.10

Rate: 4.875%

Payment Month(s): 121 - 359

Monthly Mortgage (P&I): $1,274.38

Rate: 4.915%

Payment Month(s): 360

Monthly Mortgage (P&I): $1,272.81

Rate: 4.915%




Jumbo 30 Year Fixed

Initial Interest Rate: 4.500%

APR: 4.533%

Fully Indexed Rate: N/A

Maximum Interest Rate: N/A

Months to First Rate Adjustment: N/A

Interest Only Term: 0 Months

 

Permanent Loan Payment Stream

Payment Month(s): 1 - 359

Monthly Mortgage (P&I): $3,293.45

Rate: 4.500%

Payment Month(s): 360

Monthly Mortgage (P&I): $3,296.95

Rate: 4.500%


*Payment is based on a $240,000 loan at 80% loan-to-value, purchase of a single-family residence.

** Payment is based on a $650,000 loan at 80% loan-to-value, purchase of a single-family residence.

The posted rates are subject to change without notice.

The posted mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual score. Your loan’s interest rate will depend upon the specific characteristics of your loan transaction and your credit history. Please click on the Product Name for a payment example.

Once you have completed your application your Home Loan Representative will assist you in determining the rate and fees associated with your loan.

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