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Mortgage Rates


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Mortgage Rates
Effective December 20, 2025

Now offering 30 yr. fixed rate mortgage on 1-4 family owner occupied!
FHA, VA, USDA Loans Available.....Call us for the details!
Single Family Owner Occupied
LTV
Rate
APR **
Per Adjustment
Life
Term
Fees
Modification Fee (Fixed Rate Only): $500

5 Years Fixed/Yearly Adjustable (5/1)




80%




5.500%




5.630%




2%




7% Up




30 yrs




$1,300 + Actual Costs
7 Years Fixed/Yearly (7/1)
80%
5.750%
5.882%
2%
7% Up
30 Yrs
$1,300 + Actual Costs
Fixed Rate
80%
5.850%
6.142%
10 Yrs
$1,300 + Actual Costs
80%
6.050%
6.259%
15 Yrs
$1,300 + Actual Costs
80%
6.250%
6.1777%
30 Yrs.
$1,300 + Actual Costs
Farm *
LTV
Rate
Per Adjustment
Life
Term
Fees
Modification Fee (Fixed Rate Only): $1,000

7 Years Fixed/Yearly Adjustable (7/1)



70%



5.750%



2%



7% Up



30 Yrs



$1,550 + Actual Costs
Fixed Rate
70%
5.850%
10 Yrs
$1,550 + Actual Costs
70%
6.050%
15 Yrs
$1,550 + Actual Costs
70%
6.050%
Amortized Max 30 Yrs./Balloon in 10 Yrs
$1,550 + Actual Costs
70%
6.550%
Amortized Max 30 Yrs./Balloon in 15 Yrs
$1,550 + Actual Costs
Investment/Commercial
LTV
Rate
Per Adjustment
Life
Term
Fees
Modification Fee (Fixed Rate Only): $1,000

5 Years Fixed/Yearly Adjustable (5/1)



80%



6.250%



2%



7% Up



25 Yrs



$1,550 + Actual Costs
Fixed Rate
80%
7.000%
10 Yrs
$1,550 + Actual Costs
80%
7.000%
15 Yrs
$1,550 + Actual Costs
Building Lot
80%
8.000%
5 Yrs
$1,550 + Actual Costs

Rates are subject to change.
Add 75 basis points for loans above the stated LTV up to max of 90% LTV.
* Maximum 70% LTV on Farm Loans
** APR (Annual Percentage Rate) is based on financing $100,000 for the maximum term.

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