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.
Purchase
| Description |
Rate |
APR |
Points |
Disclosure |
|---|
| 30 Year Fixed Rate | 7.5% | 8.051% | 1% | Disclosure |
| 20 Year Fixed Rate | 7.375% | 7.791% | 1% | Disclosure |
| 15 Year Fixed Rate | 7% | 7.421% | 1% | Disclosure |
| Description |
Rate |
APR |
Points |
Disclosure |
|---|
| 30 Year 97% First Time Home Buyer Purchase | 7.5% | 8.02% | 1% | Disclosure |
Land Loan Purchase
| Description |
Rate |
APR |
Points |
Disclosure |
|---|
| Land Building Lot | 9% | 9.247% | 1% | Disclosure |
| Land unimproved Property | 10% | 10.254% | 1% | Disclosure |
Home Equity
| Description |
Rate |
APR as low as |
Points |
Disclosure |
|---|
| Home Equity Line of Credit | 8.5% | 8.5% | 0% | Disclosure |
Refinance
| Description |
Rate |
APR |
Points |
Disclosure |
|---|
| 30 Year Fixed Rate | 7.625% | 7.775% | 1% | Disclosure |
| 20 Year Fixed Rate | 7.625% | 7.818% | 1% | Disclosure |
| 15 Year Fixed Rate | 7.125% | 7.359% | 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.
$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.
Home Equity Line of Credit (HELOC) fees and closing costs
Effective Date: Tuesday, October 3rd, 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. |
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