Mortgage Rates
| Score | Rating | Rate |
|---|---|---|
| A+ | 730 - Up | Base Rate |
| A | 729 - 680 | Base Rate |
| B | 679 - 640 | Base Rate +.5 |
| C | 639 - 600 | Base Rate +1 |
| D | 599 - 550 | Base Rate +3 |
| E | 549 - Below | Base Rate +5 |
Rates effective April 1, 2026. Rates subject to change without notice.
Prime Rate (03/31/2026) 6.75%
NMLS #: 586635
1st Mortgage
| Loan Type | Term in Months | Rate | Cost per $1,000.00 | ||||
|---|---|---|---|---|---|---|---|
| 1st Mortgage LTV<80% |
6 Year Balloon | 5.99% | 5.99 | ||||
| 1st Mortgage LTV<90% |
6 Year Balloon | 6.49% | 6.32 | ||||
| *APR is the Annual Percentage Rate. | |||||||
2nd Mortgage
| Loan Type | Term in Months | Rate | Cost Per $1,000.00 | ||||
|---|---|---|---|---|---|---|---|
| 2nd Mortgage CLTV<70% |
To 36 | 6.99% | 30.88 | ||||
| 60 | 7.29% | 19.94 | |||||
| 6 Year Balloon | 7.49% | 6.99 | |||||
| 2nd Mortgage CLTV 71-90% |
To 36 | 7.59% | 31.51 | ||||
| 60 | 7.79% | 20.18 | |||||
| 6 Year Balloon | 7.99% | 7.33 | |||||
| *APR is the Annual Percentage Rate. | |||||||
HELOC
| Loan Type | Term | APR* |
|---|---|---|
| HELOC LTV<51% |
10 Year Draw |
6.75% |
| HELOC LT 51-70% |
10 Year Draw | Prime + 1.00% |
| HELOC LTV 71-90% |
10 Year Draw | Prime + 2.00% |
| *APR is the Annual Percentage Rate. | ||
Reduce Your Rate
Save even more when you establish a checking account and direct deposit with us!
- Reduce your rate by ½% with direct deposit and automatic loan payments.
- Reduce your rate by ¼% when your loan payment is deducted automatically.
- The rate reduction does not apply to any open-end loans, (e.g. Kwik-Cash, HELOC’s, ect.)
