CONSUMER REAL ESTATE LOAN RATES
Effective May 16, 2012
- For more information please call 907-745-9165 or 694-4891 x165
Conventional Owner Occupied First Deed of Trust: Single Family Residence
| Loan Term |
Maximum Loan to Value |
Interest Rate |
APR |
| 15 years a |
80% |
3.125% |
3.377% |
| 30 years b |
80% |
3.875% |
4.019% |
Owner Occupied First Deed of Trust: Single Family Residence
| Loan Term |
Maximum Loan to Value |
Interest Rate |
APR |
5 year balloon with
30 year amortization c |
80% |
4.00% |
4.09% |
Owner Occupied Second Deed of Trust: Single Family Residence
| Loan Term |
Maximum Loan to Value |
Interest Rate |
APR |
| Up to 7 years d |
80% |
6.75% |
6.93% |
| Up to 15 years e |
80% |
7.75% |
7.85% |
Consumer Land: Residential lot or small tracts not for development
| Loan Term |
Maximum Loan to Value |
Interest Rate |
APR |
| 8 years f |
75% |
7.75% |
7.94% |
| 12 years g |
75% |
8.25% |
8.39% |
Home Equity Line First Deed of Trust
Maximum Loan amount $500,000, No Loan Origination Fee. Current Prime Rate: 3.25%
| Loan Term |
Maximum Loan to Value |
Base Interest Rate |
Rate Floor |
Rate Ceiling |
| 7 year draw |
80% |
Prime + 0.25% |
5.00% |
15.00% |
Home Equity Line Second Deed of Trust
Maximum Loan amount $300,000, No Loan Origination Fee. Current Prime Rate: 3.25%
| Loan Term |
Maximum Loan to Value |
Base Interest Rate |
Rate Floor |
Rate Ceiling |
| 7 year draw |
75% |
Prime + 0.75% |
5.00% |
15.00% |
Call for rates and terms on Recreational Homes or Cabins!
Interest Rates are subject to change without notice and may vary based on your credit history, loan amount and/or property type. Actual APR on some loans may be higher based on loan amount and terms selected. There may be additional third party fees.
Notes:
| a |
Assumes a 20% down payment on a loan amount of $100,000 and a minimum credit score of 740. The monthly payment in this example is $696.61, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR. |
| b |
Assumes a 20% down payment on a loan amount of $100,000 and a minimum credit score of 740. The monthly payment in this example is $470.24, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR. |
| c |
Assumes a 20% down payment on a loan amount of $100,000 and a minimum credit score of 740. The monthly payment in this example is $477.42, which could change if reserves are held for insurance and /or taxes. Other risk based pricing factors may also affect the payment and APR. |
| d |
Assumes a 20% down payment on a loan amount of $50,000 and a minimum credit score of 740. The monthly payment in this example is $748.80, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR. |
| e |
Assumes a 20% down payment on a loan amount of $50,000 and a minimum credit score of 740. The monthly payment in this example is $470.90, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR. |
| f |
Assumes a 25% down payment on a loan amount of $50,000 and a minimum credit score of 740. The monthly payment in this example is $700.79, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR. |
| g |
Assumes a 25% down payment on a loan amount of $50,000 and a minimum credit score of 740. The monthly payment in this example is $548.39, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR. |
|
