Mortgage Rates

Scoring System
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

Quick Rates: 1st Mortgage | 2nd Mortgage | HELOC



Rates effective March 1, 2017. Rates subject to change without notice.
Prime Rate (6/15/17) 4.25%
NMLS #: 586635



Loan Type Term in Months A+ A B C D E
Base Rate
APR*
Base Rate
APR*
Base Rate +.5
APR*
Base Rate +1
APR*
Base Rate +3
APR*
Base Rate +5
APR*
1st Mortgage
LTV<80%
6 Year Balloon 5.99% 5.99% 6.49% 6.99% 8.99% 10.99%
1st Mortgage
LTV<90%
6 Year Balloon 6.49% 6.49% 6.99% 7.49% 9.49% 11.49%
*APR is the Annual Percentage Rate.


Loan Type Term in Months A+ A B C D E
Base Rate
APR*
Base Rate
APR*
Base Rate
APR*
Base Rate +1
APR*
Base Rate +3
APR*
Base Rate +5
APR*
2nd Mortgage
CLTV<70%
To 36 6.99% 6.99% 6.99% 7.99% 9.99% 11.99%
60 7.29% 7.29% 7.29% 8.29% 10.29% 12.29%
6 Year Balloon 7.49% 7.49% 7.49% 8.49% 10.49% 12.49%
 
2nd Mortgage
CLTV 71-90%
To 36 7.59% 7.59% 7.59% 8.59% 10.59% 12.59%
60 7.79% 7.79% 7.79% 8.79% 10.79% 12.79%
6 Year Balloon 7.99% 7.99% 7.99% 8.99% 10.99% 12.99%
*APR is the Annual Percentage Rate.


Loan Type Term APR*
HELOC
LTV<51%
10 Year Draw 4.25%
 
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.)

Equal Housing Opportunity