Current Rates

Please note that the interest rate and fees shown here are available to borrowers with an excellent credit history. The actual interest rate and fees available to you will be based on your credit history, loan purpose, property use and property type and may be different than the rates displayed here.

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Loan Program Interest Rate APR Points
Conforming Fixed*


15 Year Fixed 3.125% 3.264% 0.00
30 Year Fixed 4.000% 4.080% 0.00
Conforming ARM**


5/1 ARM 3.250% 3.479% 0.00
7/1 ARM 3.375% 3.510% 0.00

Jumbo Fixed ***

30 Year 4.125% 4.138% 0.00
FHA Fixed****
15 Year Fixed 3.250% 4.320% 0.00

30 Year Fixed

3.750% 5.068% 0.00
VA Fixed*****
15 Year Fixed 3.250% 3.676% 0.00
30 Year Fixed 3.750% 3.991% 0.00

Important Notices
*Rates disclosed are for our highest qualified borrowers and are based on an owner occupied, single family residence.  Rates may vary depending on credit qualifications and collateral. Applicable interest rates and terms will vary depending on your credit qualifications, appraised value of home and the combined loan to value (CLTV) of the first and second mortgages.  All loans are subject to credit review and approval.  Annual Percentage Rate (APR) is based on loan amount of $125,000 with prepaid finance charges of $1,200.00.  Conforming Fixed 15 Year is based on amortization term of 180 months.  Conforming Fixed 30 Year is based on amortization term of 360 months.

**Rates disclosed are for our highest qualified borrowers and are based on an owner occupied, single family residence.  Rates may vary depending on credit qualifications and collateral. Applicable interest rates and terms will vary depending on your credit qualifications, appraised value of home and the combined loan to value (CLTV) of the first and second mortgages.  All loans are subject to credit review and approval.  Annual Percentage Rate (APR) is based on loan amount of $125,000 with prepaid finance charges of $1,200.00 and amortization term of 360 months.  Variable interest rate based upon the one-year LIBOR index.  Please see our Adjustable Rate Mortgage (ARM) Disclosure for details regarding future adjustments, indices, and margins on our ARM loan programs.

***Loan amounts over $417,000.  Rates disclosed are for our highest qualified borrowers and are based on an owner occupied, single family residence.  Rates may vary depending on credit qualifications and collateral. Applicable interest rates and terms will vary depending on your credit qualifications, appraised value of home and the combined loan to value (CLTV) of the first and second mortgages.  All loans are subject to credit review and approval.  Annual Percentage Rate (APR) is based on loan amount of $750,000 with prepaid finance charges of $1,200.00 and amortization term of 360 months.

****Rates disclosed are for our highest qualified borrowers and are based on an owner occupied, single family residence.  Rates may vary depending on credit qualifications and collateral. Applicable interest rates and terms will vary depending on your credit qualifications, appraised value of home and the combined loan to value (CLTV) of the first and second mortgages.  All loans are subject to credit review and approval.  Annual Percentage Rate (APR) is based on loan amount of $127,187 with prepaid finance charges of $2,637.50.  FHA Fixed 15 Year is based on amortization term of 180 months.  FHA Fixed 30 Year is based on amortization term of 360 months.

*****Rates disclosed are for our highest qualified borrowers and are based on an owner occupied, single family residence.  Rates may vary depending on credit qualifications and collateral. Applicable interest rates and terms will vary depending on your credit qualifications, appraised value of home and the combined loan to value (CLTV) of the first and second mortgages.  All loans are subject to credit review and approval.  Annual Percentage Rate (APR) is based on loan amount of $127,687 with prepaid finance charges of $3,682.50.  VA Fixed 15 Year is based on amortization term of 180 months.  VA Fixed 30 Year is based on amortization term of 360 months.

Click here to view our Adjustable Rate Mortgage disclosure.