HELOC
3 Year Adjustable Closed End Mortgage
*APR = Annual Percentage Rate. Published rate on date stated is subject to change without notice. Rate stated is “as low as: and not all borrowers may qualify. Rate and APR advertised assumes the loan is for an owner-Occupied, Single Family, Stick built, one-unit Purchase transaction with a loan amount of $200,000.00, at 80% LTV with a FICO Credit Score of 700 or better. The Disclosed APR includes Origination fees and other finance charges. The APR’s disclosed above assume closing cost of $6851.50. Your actual closing costs may vary based on your individual transaction. If your down payment is less than 20%, you may be required to obtain Private Mortgage Insurance (“PMI”) and to escrow for property taxes and insurance. Mortgage loan payment example assuming: A $200,000.00 loan amount on a primary home with 20% down, an excellent credit score, a 360 term and fixed rate of 8.04% APR. The monthly payments would be about $1473.11 which does not include PMI premiums, Property tax escrow amounts or other insurance premium amounts, which will increase your monthly payment obligation.
ARM Unimproved Land
*APR = Annual Percentage Rate. This loan is adjustable and will reset every three years; the annual percentage rate may vary after the account is opened. Published rate on date stated is subject to change without notice. Rate stated is “as low as” based on the 3 year T-bill and adjustments and restriction may apply, and not all borrowers may qualify. Minimum floor rate is 4.0%APR and maximum rate that may be imposed is 16.54%APR or the maximum allowed by law. Rate and APR advertised assumes the loan is for a vacant land loan amount of $200,000, LTV 80%, and FICO credit score of 700 or higher, with a 15 year repayment period. The APR’s disclosed above assumes closing costs of $6,851.50. Your actual closing costs may vary based on your individual transaction. Mortgage Loan payment example assuming: A $200,000.00 loan amount on Vacant land with 20% down, an excellent credit score, a 180 month term and an initial rate of 10.54% APR. The monthly payment would be about $2215.76 which does not include Property tax escrow amounts or other insurance premium amounts, which will increase your monthly payment obligation.
ARM Investment Property
*APR = Annual Percentage Rate. This loan is adjustable and will reset every three years; the annual percentage rate may vary after the account is opened. Published rate on date stated is subject to change without notice. Rate stated is “as low as” based on the 3 year T-bill and adjustments and restriction may apply, and not all borrowers may qualify. Minimum floor rate is 4.0%APR and maximum rate that may be imposed is 15.04%APR or the maximum allowed by law. Rate and APR advertised assumes the loan is for an owner occupied, primary residence, and single family, stick built unit purchase with a loan amount of $200,000, LTV 80%, and FICO credit score of 700 or higher, with a 15 year repayment period. The APR’s disclosed above assumes closing costs of $6,851.50. Your actual closing costs may vary based on your individual transaction. Mortgage loan payment example assuming: A $200,000.00 loan amount with 20% down, an excellent credit score, a 180 month term and an initial rate of 9.04%APR. The monthly payments would be about $2033.29 which does not include property tax escrow amounts or other insurance premium amounts, which will increase your monthly payment obligation.
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