Current Mortgage Rates

• Credit score 740 or higher
• LTV 95% (5% down payment)
• Loan amount of $230,000
• $800 origination fee, $6.70 flood certification fee and $72 tax service fee. Additional closing costs apply

• Credit score 700 or higher
• LTV 80% (20% down payment)
• Loan amount up to $1,000,000
• $1,000 origination fee, $6.70 flood certification fee and $72 tax service fee. Additional closing costs apply

• Credit score 740 or higher
• LTV 60% (40% down payment)
• Loan amount $453,101 to $1,000,000
• $800 origination fee, $6.70 flood certification fee and $72 tax service fee. Additional closing costs apply

• Credit score 740 or higher
• LTV 95% (5% down payment)
• Loan amount up to $453,100
• $800 origination fee, $6.70 flood certification fee and $72 tax service fee. Additional closing costs apply

Please note that if your credit score, down-payment or loan amount is different than the above assumptions, your rate could be higher or lower. Subject to credit approval. Rates, terms and conditions effective 12/13/18 are for sample purposes only and subject to change. Please contact your Mortgage Loan Officer for specific, customized pricing for your financial situation.

On a $230,000, 5-1 ARM amortized over 20 years with an initial interest rate of 4.625% with an annual percentage rate of 4.451%, after fixed-period of 5 years the rate may increase annually; individual adjustments are capped at 2% first, 2% subsequent and rate can never increase by more than the lifetime cap of 5%. A payment example would be as follows based on a fully-capped interest rate of the loan: Years 1-5 at 4.625% rate with a payment of $511.53, Year 6 at 6.625% rate with a payment of $582, Year 7 at 8.625% rate with a payment of $654 and Years 8-20 at 9.625% rate with a payment of $689. The monthly payment may change when the interest rate on an adjustable rate mortgage is reset. After the initial fixed-rate period, your interest rate can increase annually according to the market index. Current index (LIBOR 12 month) as of October 25, 2017 is 1.835%. The current index plus Margin rounded to the nearest 0.125 is 4.125%. Any change may significantly impact your monthly payment.

• Credit score 640 or higher
• LTV 96.5% (3.5% down payment)
• Loan amount of $170,000
• $800 origination fee and $6.70 flood certification fee. Additional closing costs apply