Real Estate
The real estate loan rates appearing below are effective as indicated and are subject to immediate change by Board action if necessary, due to circumstances not known at this time. If you have any questions please give us a call or visit any of our offices.
Loan Rates effective as of: February 1, 2012.
| Loan Type | Interest Rate | Points | APR* | Monthly Principal & Interest Payment |
| 15 Year First Mortgage 180 Monthly Payments |
4.500% | 0.000% | 4.515% | $765.00 per $100,000 borrowed |
| 4.125% | 1.000% | 4.289% | $745.97 per $100,000 borrowed | |
| 3.750% | 2.000% | 4.062% | $727.23 per $100,000 borrowed | |
| 30 Year First Mortgage 360 Monthly Payments |
5.250% | 0.000% | 5.269% | $552.21 per $100,000 borrowed |
| 4.875% | 1.000% | 4.972% | $529.21 per $100,000 borrowed | |
| 4.500% | 2.000% | 4.682% | $506.69 per $100,000 borrowed | |
| Loan Type | Interest Rate | Points | APR* | Monthly Principal & Interest Payment |
| Second Mortgage 180 Monthly Payments |
6.500% | 0.000% | 6.516% | $871.11 per $100,000 borrowed |
| Loan Type | Interest Rate | Points | APR* | Monthly Interest Only Payment |
| Interim Construction Up to 12 months |
Please contact us for current rates | |||
| Loan Type | Interest Rate | Points | APR* | Monthly Principal & Interest Payment |
| Vacant Land 120 Monthly Payments |
7.250% | 0.000% | 7.273% | $1,174.02 per $100,000 borrowed |
| Loan Type | Interest Rate | Points | APR* | Monthly Principal & Interest Payment |
| Investor Mortgage1 180 Monthly Payments on improved property |
7.250% | 0.000% | 7.262% | $682.18 per $100,000 borrowed |
| 6.875% | 1.000% | 7.005% | $656.93 per $100,000 borrowed | |
| 6.625% | 2.000% | 6.872% | $640.32 per $100,000 borrowed |
*Annual Percentage Rate (APR) is based on a maximum of 80% loan to value and includes a $100.00 document preparation fee and discount points.
1 point is equal to 1.00% of total loan amount. APR does not include prepaid interest. Maximum loan amount of $625,500. Rate and terms are
subject to change or cancellation without notice. Certain restrictions may apply.
1) Monthly principal and interest payments ammortized over 360 months with a balloon payment due at 180 months.
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