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All rates subject to credit approval, subject to change without notice and effective as of: 03/04/2016. Rates displayed on this page are for conforming loans (less than or equal to $417,000).

FIXED RATE MORTGAGES PURCHASEAPRs based on $165,000.00 loan amount single family residence with 25% down payment and a 740+ FICO. Loans with less down payment may require mortgage insurance which will increase monthly payment. Taxes and insurance required but not included in payment amounts. Stated rates are not eligible for loan modifications. Maximum 45-day rate lock. Contact a Mortgage Loan Originator for details on all our mortgage products.

Years,    Points,      Rate,      APR,        Months      $ Payments
15           0.000%   2.950%   3.087%    1-180           $1,135.50
20          0.000%   3.500%   3.608%,   1-240          $759.47
30          0.000%   3.700%   3.803%    1-360          $759.47

FIXED RATE MORTGAGES REFINANCEAPRs based on $165,000.00 loan amount single family residence with 25% down payment and a 740+ FICO. Loans with less down payment may require mortgage insurance which will increase monthly payment. Taxes and insurance required but not included in payment amounts. Stated rates are not eligible for loan modifications. Maximum 45-day rate lock. Contact a Mortgage Loan Originator for details on all our mortgage products.

Years     Points      Rate        APR       Months    $ Payments
15           0.000%   2.950%  3.087%   1-180       $1,135.50
20          0.000%  3.500%  3.608%   1-240       $956.93
30          0.000%  3.700%  3.803%   1-360       $759.47

FIXED RATE MORTGAGES FHA – 30 YEARAPRs based on $175,000 sales price with 3.5% down payment. Payments quoted include required monthly mortgage insurance premium. Taxes and other insurance required are not included in payment amounts. Stated rates are not eligible for loan modification. Maximum 60-day rate lock. Contact a Mortgage Loan Originator for details on all our mortgage products.

Years     Points     Rate        APR       Months     $ Payments
30          1.000      3.375%   4.526%    360          $910.60 to $790.72
30          0.000     3.625%   4.692%    360          $902.22 to $797.12

ADJUSTABLE RATE MORTGAGES (ARM) PURCHASE & REFINANCEInitial APRs & payments are based on $165,000.00 loan amount, single family residence, with 25% down payment and a 740+ FICO. Subsequent payments are based off the “Recent Index” value plus the margin rounded to the nearest 1/8 for the remainder of the term. Future index values may be greater (or less) than the stated “recent index” values causing actual future principal and interest payments to be different than stated here. Loans with less of a down payment may require mortgage insurance which will increase the monthly payment. Taxes and insurance are required but not included in payment amounts. Rates are based on a 45-day rate lock. All conforming ARM products have margins of 2.25%. Interest rate changes on the 1/1, 3/1, and 5/1 ARM are limited to period maximums of 2% with a maximum increase of 6%. Interest rate changes on the 7/1 and 10/1 ARM are limited to an initial period change of 5% with any subsequent period maximum of 2% with a lifetime maximum of 5%.

Product   Points       Rate        APR            Months        $ Payments
1/1 ARM  0.000%  3.875%    3.548%        1-12             $775.89
3.375%                         13-360        $730.65

3/1 ARM  0.000%  2.875%  3.390%       1-36            $684.57
3.375%                        37-360      $725.59

5/1 ARM  0.000%  3.000%  3.370%       1-60           $695.65
3.375%                        61-360      $724.59

7/1 ARM  0.000%  3.375%  3.505%       1-84          $729.46
3.375%                       85-360    $728.66

10/1 ARM 0.000% 3.750% 3.741%       1-60           $764.14
3.375%                     61-360       $739.23

HOME EQUITY LINES OF CREDITMonthly payments are interest only for 120 months. At the end of the initial 120 months no more advances of credit will occur and any remaining balance converts to a principal and interest payment for the next 120 months as provided for in the Agreement. Homeowners insurance is required. Other restrictions may apply. This product has a $50 annual fee. Consult your tax adviser regarding the deductibility of interest. Maximum loan amount of $300,000 on home purchases; $250,000 on home refinance or equity loans. Rates shown here are for loan with an 80.00% CLTV (Combined Loan To Value), 740± FICO credit score, and a debt-to-income ratio of less than or equal to 39.00%.

Product    Points      Rate        APR        Recent Index          Margin
HELOC    0.000%   3.500%  3.500%    3.500%                   0.000%

HOME EQUITY LOANSThis product has a maximum loan amount of $300,000 on purchases, $250,000 on refinances. Monthly payments cover principal and interest. Homeowners insurance is required. Other restrictions may apply. Consult your tax adviser regarding the deductibility of interest. If an appraisal is required, a fee which averages $500.00 may be charged. APRs are based on a $165,000.00 loan amount for a single family residence with an 80.00% CLTV (Combined Loan to Value), a 740+ FICO, and a debt-to-income ratio of less than or equal to 39.00%.

Years      Points      Rate       APR       Months     $ Payments
15 Year   0.000%  5.025%  5.043%  180            $1,306.96
20 Year  0.000%   5.650%  5.665%  240            $1,149.04