Mortgage Rates

Rates effective April 12, 2019. Subject to change without notice. Rates are calculated based on loan purpose, loan-to-value, loan term, loan amount and credit score. See Assumptions and APR section for the pricing scenario for these rates.

Program Name Rate Annual Percentage Rate (APR)
30-Year Fixed (Conforming) 4.375% 4.475%
20-Year Fixed (Conforming) 4.250% 4.386%
15-Year Fixed (Conforming) 3.875% 4.045%
30-Year USDA (Conforming) 4.375% 5.115%
1-Time Construction (Other) 4.500% 4.673%

Assumptions and APR

Conventional Rates: The current rates for a purchase price of $156,250 with a 20% down payment on an owner-occupied single-family residence and a minimum credit score of 720. Rate is based on a loan amount of $125,000 and a 55-day lock.

Your rate is derived from several factors such as, but not limited to, current market conditions, the specific terms of your loan and your credit profile.

Private mortgage insurance may be required on any loans with less than a 20% down payment, which will increase your monthly payment and the APR.

USDA Rates: The current rate is for a purchase price of $125,000 with 0% down on an owner-occupied single-family residence with a minimum credit score of 680. Rates is based on a loan amount of $127,591 with Guarantee Fee financed and a 55-day lock.

Your rate is derived from several factors such as, but not limited to, current market conditions, the specific terms of your loan and your credit profile.

View our Simple Loan Calculator to estimate your monthly payment.