Competitive rates on fixed-rate mortgages, adjustable-rate mortgages, home equity loans (second mortgages) and investment-property loans.
Use the equity in your primary residence with no closing costs or finance your investment property!
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Cash out is available for refinance transactions up to 80% LTV.
✝ Monthly payments may vary slightly from those quoted due to rounding.
* Fixed-rate mortgage payment examples assuming a $300,000 loan: 10-year mortgage at 5.089% APR—120 monthly payments at $3,182.10; 15-year mortgage at 5.331% APR—180 monthly payments at $2,411.70; 20-year mortgage at 5.693% APR—240 monthly payments at $2,085.00; and 30-year mortgage at 6.055% APR—360 monthly payments at $1,798.50. Loan payments do not include taxes and insurance.
** 10-year fixed-to-adjustable rate: Initial 6.240% APR is fixed for 10 years, then adjusts annually based on an index and margin. For a 30-year loan of $300,000, you would make 120 payments of $ 1,703.40 at 6.240% APR, followed by 240 payments based on the then-current variable rate. Loan payments may increase and do not include taxes and insurance.
*** 5/5 fixed-to-adjustable rate: Initial 6.036% APR is fixed for 5 years, then adjusts every five years based on an index and margin. For a 30-year loan of $300,000, you would make 60 payments of $ 1,680.00 at 6.036% APR, followed by 240 payments based on the then-current variable rate. Loan payments may increase and do not include taxes and insurance.
**** In most of the country, the maximum conforming loan limit for one-unit properties is $647,200. In "high-cost" areas, the maximum conforming limit may be up to $970,800. The "high-cost" areas loan limits are established annually by the Federal Housing Finance Agency (FHFA). These higher limits are designed to make homeownership more affordable in areas with the highest home prices.
***** The Jumbo Loan limit is any amount greater than $647,200 up to $5,000,000. High-Balance Conforming allows for higher loan limits beyond the $647,200 conforming limit up to $970,800 for high-cost areas as determined by the Federal Housing Finance Agency (FHFA).
1. The Annual Percentage Rate (APR) for Jumbo loans assumes a loan amount of $800,000. The APR for all other loans assumes a loan amount of $100,000.
2. ARM mortgage loan rates may range from 6.240% APR to 6.036% APR during the initial fixed-rate period, which may be 3, 5, 7 or 10 years. The APR is subsequently variable, based on an index and margin, for the remainder of the 30-year term. For example, on a 30-year 3/1 ARM loan of $300,000 starting at 6.903% APR, you would make 36 payments of $1,633.50 during the initial three-year fixed-rate period. Loan payments do not include taxes and insurance.
3. Home-equity line of credit rates are variable and the maximum APR that could apply is 18.000%. The maximum term is 25 years, which includes a 10-year draw period and a 15-year repayment period. For lines exceeding $250,000, closing and appraisal fees may apply in the range of $1,500 to $2,500. There may be an early closure fee of $500 for home-equity lines closed within the first two years of origination.