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Mortgage Rates

Residential Mortgages

Mortgage Loans
Effective Date: Sunday, June 7th, 2020
Loan NameTermAPR
Home Equity Loan

1 Year Adjustable

  6.125%
Fixed up to 10 years 6.125%
Home Equity Line of Credit   5.000%
Lot Mortgage fixed up to 10 years 7.000%

Commercial Mortgages

1-4 Units, Fixed Rate
TermRateAPR
10 years 6.62% 6.620%
12 years 6.75% 6.750%
12 years (baloon loan with 15 yr amortization) 6.87% 6.870%

1-4 Units, Adjustable Rate
12 year baloon loans with 30 year amortization. Rate cannot change more than 2% per year and 6% during the life of the loan; it will never go below the initial rate.
Initial Fixed Interest Rate PeriodRateAPR
1 year 5.75% 8.130%
3 years 5.75% 8.500%
5 years 6.50% 8.370%
7 years 5.75% 8.280%

5-8 Units, Fixed Rate
TermRateAPR
10 years 6.75% 6.750%
12 years 5.75% 6.870%
12 years (baloon loan with 15 year amortization) 7.00% 7.000%

5-8 Units, Adjustable Rate
12 year baloon loans with 30 year amortization. Rate cannot change more than 2% per year and 6% during the life of the loan; it will never go below the initial rate.
Initial Fixed Interest Rate PeriodRateAPR
1 year 5.87% 8.040%
3 years 6.37% 8.390%
5 years 5.75% 8.310%
7 years 7.00% 8.240%

5-8 Units, Adjustable Rate
12 year baloon loans with 30 year amortization. Rate cannot change more than 2% per year and 6% during the life of the loan; it will never go below the initial rate.

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