| LOAN TERM | RATE | APR1 | POINTS |
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| 15 Year Fixed | 5.125% | 5.424% | 1.000% |
| 30 Year Fixed | 5.625% | 5.804% | 1.000% |
| 30 Year Fixed First Time Homebuyers | 6.875% | 6.973% | 0.000% |
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Rates accurate as of February 3, 2023 and are subject to change.
1 APR refers to Annual Percentage Rate. Your rate may be higher depending on credit history and underwriting criteria. Certain restrictions may apply.
Example: 15-year fixed rate loan with Purchase Price of $125,000 with a 20% down payment, Loan Amount of $100,000, paying 1.00 Origination Point with an annual interest rate of 5.125%, and an APR of 5.424% would result in 180 monthly principal and interest payments of $797.32. Payment does not include amounts for taxes and insurance premiums.
Example: 30-year fixed rate loan with Purchase Price of $125,000 with a 20% down payment, Loan Amount of $100,000, paying 1.00 Origination point with an annual interest rate of 5.625%, and an APR of 5.804%, would result in 360 monthly principal and interest payments of $575.66. Payment does not include amounts for taxes and insurance premiums.
Example: 30-year fixed rate First Time Home Buyers loan with Purchase Price of $125,000 and a loan amount of $131,250 (includes 5% in closing costs) with an annual interest rate of 6.875%, and an APR of 6.973%, would result in 360 monthly principal and interest payments of $862.22. Payment does not include amounts for taxes and insurance premiums.
