Loan Rates

Last Updated On: May 14, 2012

All rates and terms are subject to change without notice. Closing costs are added to loan points (if any). Please click on Online Loan Application for complete rates and APR calculations. Contact one of our Loan Officers should you have any questions or for a complete rate quote.

 

*Examples are based on a $100,000 home with 20% down and a loan of $80,000. The Annual Percentage Rate is based upon prepaid finance charges and interim interest.

** Payment does not include amounts for taxes or insurance premiums. The actual payment may be greater. 

 Conventional Fixed Rate Loan (Monthly Payment**)
With 60 Day Lock In

Term	APR*	Rate	Payment	Points
15 Year (Max 90% L-T-V)	3.284%	3.125%	$557.29	None
20 Year (Max 90% L-T-V)	3.883%	3.750%	$474.32	None
30 Year (Max 90% L-T-V)	3.972%	3.875%	$376.19	None

         (Above rates may be adjusted for credit history and L-T-V ratios.)
         (U.S.D.A. Rural Development loan rates based on Fannie Mae 90 day rate plus 60 basis points.)

 "Swift" Fixed Rate Loan (Bi-Weekly Payment**)
With 60 Day Lock In

Term	APR*	"A" Rate	Payment	Balloon Payment	All Points
7 Year Balloon/30 Year Amortization	4.657%	4.500%	$202.68	$66,403.89	None
10 Year (9 Years)	4.470%	4.250%	$409.75		None
15 Year (12 Years)	4.908%	4.750%	$311.14		None
20 Year (17 Years)	5.127%	5.000%	$263.99		None
30 Year (21 Years)	5.599%	5.500%	$227.12		None

 

 Commercial Real Estate Loan (Monthly Payment**)

Term	APR*	Rate	Payment	Balloon Payment
5 Year Balloon/25 Year Amortization	4.939%	4.750%	$456.10	$66,593.73

 

 

         Contact one of our Loan Officers for one year adjustable loan rates.