Home loan and home equity line of credit rates and fees

Click the links in the table below to learn details about rates, loan options and payment examples, or apply here for your home loan.

Apply for a home loan

Purchase

Description	Rate	APR	Points	Disclosure
30 Year Fixed Rate	6.625%	7.158%	1%	Disclosure
20 Year Fixed Rate	6.375%	6.769%	1%	Disclosure
15 Year Fixed Rate	6.125%	6.528%	1%	Disclosure

Description	Rate	APR	Points	Disclosure
30 Year 97% First Time Home Buyer Purchase	6.625%	7.123%	1%	Disclosure

Land Loan Purchase

Description	Rate	APR	Points	Disclosure
Land Building Lot	8.125%	8.365%	1%	Disclosure
Land unimproved Property	9.125%	9.373%	1%	Disclosure

Home Equity

Description	Rate	APR	Points	Disclosure
Home Equity Line of Credit	8%	8%	0%	Disclosure

Refinance

Description	Rate	APR	Points	Disclosure
30 Year Fixed Rate	6.75%	6.892%	1%	Disclosure
20 Year Fixed Rate	6.5%	6.684%	1%	Disclosure
15 Year Fixed Rate	6.25%	6.478%	1%	Disclosure

About these mortgage rates

Your mortgage rate may be different based on your terms and your specific loan criteria. Mortgage rates may be higher than the lowest advertised interest rates. Interest rates are subject to change throughout the day without notice. Current HELOC rates range from 8.00% Annual Percentage Rate (APR). Your rate may be higher than the lowest advertised APR and will be based on your loan-to-value (LTV). The 8.00% APR is based on an 80% LTV. The APR will vary based on changes to the Wall Street Journal Prime Rate. The current Wall Street Journal Prime Rate is 8.00% APR.

$500 reduction off lenders fees

The $500 reduction off lenders fees is valid for Premier Members. This offer is not valid for Short Term Second Lien Home Equity Loans. See a Mortgage Loan Officer for further details and how to qualify for Premier Membership.

Learn more about lenders fees reduction for these loans: adjustable-rate, First-time Homebuyer, fixed-rate, refinancing.

Home Equity Line of Credit (HELOC) fees and closing costs

Effective Date: Thursday, June 8th, 2023

Fee type	Essential	Enhanced	Premier
HELOC annual fee	$75	$50	$25
The HELOC annual fee is waived the first year. After that, the annual fee depends on your Member Merits category as shown in the table above.
Closing costs vary between $0-$2000. A HELOC loan is eligible to receive a $500 credit. The amount of credit cannot exceed total closing costs. HELOC offer details: Repayment of credit required if the HELOC is closed by the borrower within three years from the date of the Deed of Trust or Modification of the Trust Deed. See a Mortgage Loan Officer for further details. If appraisal is required, borrower(s) must pay for appraisal up front. Flood and/or property hazard insurance is required. Consult your tax advisor regarding the deductibility of interest. Other restrictions may apply. Organization NMLS #472475.

Fee type

Essential

Enhanced

Premier

HELOC annual fee

$75

$50

$25

The HELOC annual fee is waived the first year. After that, the annual fee depends on your Member Merits category as shown in the table above.

Closing costs vary between $0-$2000.

A HELOC loan is eligible to receive a $500 credit. The amount of credit cannot exceed total closing costs. HELOC offer details: Repayment of credit required if the HELOC is closed by the borrower within three years from the date of the Deed of Trust or Modification of the Trust Deed. See a Mortgage Loan Officer for further details.
If appraisal is required, borrower(s) must pay for appraisal up front. Flood and/or property hazard insurance is required. Consult your tax advisor regarding the deductibility of interest. Other restrictions may apply. Organization NMLS #472475.

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