Loan Rates

Last Updated: September 1, 2014

Print a Rate Sheet

    Rate/APR ** Points Loan to Value % * Max Term Index Caps
Conventional Real Estate Mortgages
     1 Year ARM 3.5% 0 Res 85% 25 yrs National Average Life: Max+6%, Min3.5%
     1 Year ARM 7.00% 0 Rental 70% Mtg. Contract Rate Life: Max+6%, Min5%
     3 Year ARM 3.5% 0 Res 85% 25 yrs National Average Life: Max+6%, Min3.5%
     3 Year ARM 7.00% 0 Rental 70% Mtg. Contract Rate Life: Max+6%, Min5%
     5 Year ARM 3.5% 0 Res 85% 25 yrs National Average Life: Max+6%, Min3.5%
     5 Year ARM 7.25% 0 Rental 70% Mtg. Contract Rate Life: Max+6%, Min5%
     Fixed Rate 4.50% 0 Res 85% 15 yrs
     Fixed Rate 7.75% 0 Rental 70% 15 yrs
     Fixed Rate 4.90% 0 Res 85% 20 yrs
     Fixed Rate 8.25% 0 Rental 70% 20 yrs
     Fixed Rate 5.50% 0 Res 85% 25 yrs
     Fixed Rate 8.75% 0 Rental 70% 25 yrs
Home Equity Lines of Credit
     HELC % 0 85% 5 yr Renewable Prime+ 1.50 Life: Max+6%, Min4%
Consumer Loans
     Home Improvement 9.00% Sec 90% 10 yrs Max 20,000
     Home Improvement 14.00% Unsec 10 yrs Max 20,000
     Auto - New 3.50% Sec 90% of INV OR NADA RETAIL 6 yrs 2014 - 2012
     Auto - Used 5.50% Sec 90% of INV OR NADA RETAIL 5 yrs 2011 - 2009
     Auto - Used 6.75% Sec 90% of INV OR NADA RETAIL 4 yrs 2008 - Older
     Other 6.50% Sec 90% 7-9 yrs
     Other 7.00% Sec 90% 10-12 yrs
     Other 7.50% Sec 90% 13-15 yrs
     Other 12.00% Unsec 5 yrs
     Fixed Deposit 4.5% Sec 90% 1-10 yrs

* Of appraised value or sale price, whichever is less.
** Annual percentage rate same as interest rate.
**Rate/APR will be determined by credit score. (see below).
Tier 1 (score 700 - above) see rates above
Tier 2 (score 650 - 699) add 1% to rates above
Tier 3 (score 649 - below) add 3% to rates above
(Joint applicants will be based on higher score.)

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