Mortgage Rates

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Mortgage Rates
Effective December 26, 2024

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%

5.750%

5.877%

7% Up

30 yrs

$1,250 + Actual Costs

7 Years Fixed/Yearly (7/1)

80%

6.000%

6.129%

7% Up

30 Yrs

$1,250 + Actual Costs

Fixed Rate

80%

6.250%

6.533%

10 Yrs

$1,250 + Actual Costs

80%

6.750%

6.954%

15 Yrs

$1,250 + Actual Costs

80%

6.950%

7.078%

30 Yrs.

$1,250 + Actual Costs

80%

6.750%

6.950%

Amortized Max 30 Yrs./Balloon in 10 Yrs

$1,250 + Actual Costs

80%

7.000%

7.130%

Amortized Max 30 Yrs./Balloon in 15 Yrs

$1,250 + 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%

6.000%

7% Up

30 Yrs

$1,500 + Actual Costs

Fixed Rate

70%

6.250%

10 Yrs

$1,500 + Actual Costs

70%

6.750%

15 Yrs

$1,500 + Actual Costs

70%

6.750%

Amortized Max 30 Yrs./Balloon in 10 Yrs

$1,500 + Actual Costs

70%

7.250%

Amortized Max 30 Yrs./Balloon in 15 Yrs

$1,500 + 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%

6.750%

7% Up

25 Yrs

$1,500 + Actual Costs

Fixed Rate

80%

7.500%

10 Yrs

$1,500 + Actual Costs

Building Lot

80%

7.500%

15 Yrs

$1,500 + Actual Costs

80%

8.250%

5 Yrs

$1,500 + 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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Mortgage Rates

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Mortgage RatesEffective December 26, 2024

Get Started Today

Mortgage Rates
Effective December 26, 2024