Mortgage Lending
Please scroll down to review rates for our most common Mortgage Products. We offer Fixed and Variable Rate Mortgages for existing dwellings and construction loans with a construction/permanent financing package for new homes. "Bridge Loans" are available to qualified borrowers. 

The APR is accurate as of March 31, 2008
Fixed Rate Mortgage Lending*
 The Application and Appraisal Fee is $450.00

Type

 Term
in
Years		 Interest Rate Annual Percentage Rate (APR)

Monthly Principal and Interest Payment
Reflects a loan of $10,000.00, 3 points for a purchase, refinance or new construction
Primary Residence 15 4.875% 5.641% $78.43P&I $4.67 PMI
Primary Residence 30 5.375% 6.202% $56.00P&I $6.50 PMI
Secondary Residence 15 4.875% 5.713% $78.43P&I $5.83 PMI
Secondary Residence 30 5.375% 6.302% $56.00P&I $7.67 PMI

* Conventional Financing Only. Rates may be subject to change without notice. Jumbo rates available for mortgages over $417,000.00 Additional terms, rates, and point structures are available. Please contact our mortgage professionals for complete details. Minimum 5% down payment required with PMI (Private Mortgage Insurance). 

 

Variable Rate Mortgage Lending **
All Loans have a 30 year term. The Application and Appraisal Fee is $450.00

Type

 Interest Rate Annual Percentage Rate (APR)

Monthly Principal and Interest Payment
Reflects a loan of $10,000.00, 2.5 points for a purchase, refinance or new construction and a 30 year term.
Primary Residence 5.00% 5.253% $53.68 P&I 
$7.33 PMI
Primary Construction 5.00% 5.412% $53.68P&I $7.33 PMI
Secondary Homes 5.00% 5.351% $53.68 P&I 
$8.50 PMI
Secondary Construction 5.00% 5.509% $53.68 P&I 
$8.50PMI

* APRs calculated using 5% down payment and PMI. Actual APR could be lower with a larger down payment.

** Conventional Financing Only. Rates may be subject to change without notice. Rates on adjustable rate mortgages may be increased during the term of the loan. Jumbo rates available for mortgages over $417,000.00 Additional terms, rates, and point structures are available. Please contact our mortgage professionals for complete details. Minimum 5% down payment required with PMI (Private Mortgage Insurance).

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