Rates as of October 3, 2025. All rates subject to change without notice.
First-Time Homebuyer Program1
| Term | Rate | APR | Points | Monthly P&I per $1,0002 |
|---|---|---|---|---|
| 40 Year | 6.250% | 6.292% | 0 | $5.68 |
1 For qualified first-time homebuyers only, subject to credit approval. In order to obtain the stated rate and qualify for this loan program, you must have a credit score of at least 700. Receive up to $500 credit toward closing costs, applied at closing. Qualified buyers must provide a certificate of completion for an approved homebuyer education and counseling course to receive the $500 credit. Interest Rate, APR and discount point shown are subject to change without notice and based on $350,000.00. Rates are based on single family and condominium, owner-occupied dwellings. Private Mortgage Insurance (PMI) is required on all loans and with a loan-to-value ratio greater than 80%. There is a maximum loan amount of $766,550 as of 10/3/2025. Estimated payments do not include amounts for property taxes, property insurance and/or flood insurance; if applicable, the actual payment obligation will be higher. An escrow account may be required.
2 Payment does not include insurance or taxes and actual payment may be greater.
Fixed Rate Mortgage Rates1
| Term | Rate | APR | Points | Monthly P&I per $1,0002 |
|---|---|---|---|---|
| 30 Year | 6.375% | 6.424% | 0 | $6.24 |
| 20 Year | 6.125% |
6.189% | 0 | $7.23 |
| 15 Year | 5.750% | 5.830% | 0 | $8.30 |
| 10 Year | 5.500% | 5.613% | 0 | $10.85 |
1 Rates are based on an owner occupied single family property (excluding manufactured homes) and are subject to change without notice. Rates posted are for loans that meet Secondary Market guidelines. In order to obtain the stated rate, you must have a credit score of at least 700. The program minimum credit score to qualify is 660. The monthly P & I per $1,000 are based on the rate and term indicated assuming a down payment of 20%. Please note that Private Mortgage Insurance (PMI) is required on all loans with LTV's greater than 80%. If an escrow account is required or requested, the actual monthly payment will also include amounts of real estate taxes and/or PMI, if applicable. Property insurance required. Flood Insurance may be required. The APR is based on a loan of $350,000; please call for a personalized quote. Loan limits may be higher by property location.
2 Payment does not include insurance or taxes and actual payment may be greater.
Adjustable Rate Mortgage Loans (ARMs)