Shawna Ervin, Mortgage Loan Officer

Shawna Ervin has over 21 years in financial services.  She began her banking career with First Fed as a Teller, advancing to a Personal Banker, Consumer Loan Underwriter/Coordinator, and now Digital Residential Loan Officer.  Shawna takes great pride partnering with clients to ensure their unique needs are met and expectations exceeded.

In her free time, Shawna enjoys spending time with her family, hiking, and gardening.

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Mortgage rates as low as:

5.442%

APR

30-year Fixed Rate Purchase

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4.900%

APR

15-year Fixed Rate Refinance

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4.574%

APR

30-year VA Purchase

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4.679%

APR

30-year Fixed Rate VA Refinance

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Documentation Checklist

  • Proof of identity: Driver's license or other government-issued photo ID, SSN, signature
  • Proof of Income: W-2 wage statements from past two years
  • Proof of asset: Bank statements and/or investment account statements
  • Employment verification: Pay stubs or business statements for self-employment
  • Credit report will be pulled during the application based on ID provided

Purchase: Conforming Loan Rates

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate Purchase 5.375% 5.442% 0.250 $300,000.00 $1,679.91
15-year Fixed Rate Purchase 4.490% 4.621% 0.375 $300,000.00 $2,293.45

Interest Rates Effective: 05/19/2022

Rates listed are for primary residence in single family home with a 25% down payment and borrower credit score of 740. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.

Refinance: Rate-and-Term Refi Rates

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate Refinance 5.490% 5.569% 0.375 $300,000.00 $1,701.49
15-year Fixed Rate Refinance 4.750% 4.900% 0.500 $300,000.00 $2,333.50

Interest Rates Effective: 05/19/2022

Rates listed are for primary residence in single family home with 25% equity and borrower credit score of 740. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest (P&I) only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.

VA Home Loan: Purchase

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Loan Term Interest Rate APR* Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year VA Purchase 4.500% 4.574% 0.500 $400,000 $2,026.74

Interest Rates Effective: 05/19/2022

Rates listed are for primary residence in single family home with a 0% down payment and borrower credit score of 740. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.

VA Home Loan: Rate & Term Refi

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Loan Term Interest Rate APR* Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate VA Refinance 4.625% 4.679% 0.250 $400,000 $2,056.56

Interest Rates Effective: 05/19/2022

Rates listed are for primary residence in single family home with 0% equity and borrower credit score of 740. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest (P&I) only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.

 

Interested in other financing options? See all mortgage rates.