Rates Last Modified: January 15, 2025

Loan details for Fixed Rate Mortgages

TermRateAPRPoints
Example Monthly Payment
below is for
$200,000 Loan Amount
30-Year Fixed Rate7.250%7.322%0.00
$1,364.35
20-Year Fixed Rate7.000%7.092%0.00
$1,550.60
15-Year Fixed Rate6.500%6.613%0.00
$1,742.21
*Available for 1-4 unit owner-occupied dwellings in an amount up to $806,500. APR based on a $200,000 single family home purchase loan amount, a 70% loan to value and 760 FICO. Hazard insurance and title insurance are required. Rates locked as of date of application for 60-day period and are subject to market conditions thereafter. The payment amounts listed in the above table do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater in most cases. Loans are subject to credit approval. Actual interest rate is based on FICO score and other determining factors.

Loan details for 5 Year / 6 Month Adjustable-Rate Mortgage (ARM)*

Number of paymentsEstimate interest rate
Example Monthly Payment
below is for
$200,000 Loan Amount
607.750%
$1,432.83
2997.250%
$1,371.13
17.250%
$1,370.22
The above monthly payments are based on a loan amount of $200,000 with an initial interest rate of 7.750% (7.534% APR) for 60 months and 0.00 points. The payment amounts listed in the above table do not include amounts for required taxes, hazard insurance premium and title insurance premium.

Maximum rate and payment adjustments

After the initial fixed-rate period based on the initial interest rate and interest rate caps disclosed above, the maximum first adjusted rate for this loan will never be more than 9.750%, with a maximum first payment of $1,690.45. The maximum lifetime rate will never be more than 12.750% with an estimated maximum monthly payment of $2,095.84

APR based on a $200,000 single family home purchase loan amount, a 60% loan to value and 760 FICO. The APR is based on the purchase of a home in ZIP code 19317.
Current index rate: Secured Overnight Financing Rate 30 day average4.406%
Margin2.75%
Rate adjustment frequencyEvery six months
First adjusted interest rate cap2.00%
Subsequent semi-annual adjusted interest rate cap1.00%
Lifetime rate cap5.00%
*The introductory APR will be determined at the time of loan consummation. The example is based on a 760 FICO score, a 60% loan-to-value ratio and other determining factors. The APR is subject to change after consummation and may change every six months after the first 60 months. After the introductory period, the APR is determined by adding a margin of 2.75% to the Secured Overnight Financing Rate 30 day average with a floor of 2.75% APR. The APR is subject to change after consummation and may change semi-annually after the first 5 years. Conforming loans are up to $806,500. Rates can be locked for 60 days.

Loan details for 7 Year / 6 Month Adjustable-Rate Mortgage (ARM)

Number of paymentsEstimate interest rate
Example Monthly Payment
below is for
$200,000 Loan Amount
848.000%
$1,467.53
2757.250%
$1,378.99
17.250%
$1,374.08
The above monthly payments are based on a loan amount of $200,000.00 with an initial interest rate of 8.000% (7.734% APR) for 84 months and 0.00 point. The payment amounts listed in the above table do not include amounts for required taxes, hazard insurance premium and title insurance premium.

Maximum rate and payment adjustments

After the initial fixed-rate period based on the initial interest rate and interest rate caps disclosed above, the maximum first adjusted rate for this loan will never be more than 13.00%, with a maximum first payment of $2,111.59. The maximum lifetime rate will never be more than 13.000% with an estimated maximum monthly payment of $2,111.59.
Current index rate: Secured Overnight Financing Rate 30 day average4.406%
Margin2.75%
Rate adjustment frequencyEvery six months
First adjusted interest rate cap5.00%
Subsequent semi-annual adjusted interest rate cap1.00%
Lifetime rate cap5.00%
*The introductory APR will be determined at the time of consummation. The example is based on a 760 FICO score, a 60% loan-to-value ratio and other determining factors. The APR is subject to change after consummation and may change every six months after the first 84 months. After the introductory period, the APR is determined by adding a margin of 2.75% to the Secured Overnight Financing Rate 30 day average with a floor of 2.75% APR. The APR is subject to change after consummation and may change semi-annually after the first 7 years. Conforming loans are up to $806,500. Rates can be locked for 60 days.

Loan details for 10 year / 6 Month Adjustable-Rate Mortgage (ARM)

Number of paymentsEstimate interest rate
Example Monthly Payment
below is for
$200,000 Loan Amount
1208.125%
$1,485.00
2397.250%
$1,390.25
17.250%
$1,388.25
The above monthly payments are based on a loan amount of $200,000.00 with an initial interest rate of 8.125% (7.932% APR) for 120 months and 0.00 point. The payment amounts listed in the above table do not include amounts for required taxes, hazard insurance premium and title insurance premium.

Maximum rate and payment adjustments

After the initial fixed-rate period based on the initial interest rate and interest rate caps disclosed above, the maximum first adjusted rate for this loan will never be more than 13.125%, with a maximum first payment of $2,076.45. The maximum lifetime rate will never be more than 13.125% with an estimated maximum monthly payment of $2,076.45.
Current index rate: Secured Overnight Financing Rate 30 day average4.406%
Margin2.75%
Rate adjustment frequencyEvery six months
First adjusted interest rate cap5.00%
Subsequent semi-annual adjusted interest rate cap2.00%
Lifetime rate cap5.00%
*The introductory APR will be determined at the time of loan consummation. The example is based on a 760 FICO score, a 60% loan-to-value ratio and other determining factors. The APR is subject to change after consummation and may change every six months after the first 120 months. After the introductory period, the APR is determined by adding a margin of 2.75% to the Secured Overnight Financing Rate 30 day average with a floor of 2.75% APR. The APR is subject to change after consummation and may change semi-annually after the first 10 years. Conforming loans are up to $806,500. Rates can be locked for 60 days

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