Mortgage Rates

Mortgage Rates

Home loan financing terms, disclosures, and example scenarios.

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 7.125% 7.244% 0.500 $450,000.00 $3031.73
15-year Fixed Rate Purchase 6.625% 6.791% 0.375 $450,000.00 $3950.97

Interest Rates Effective: 10/15/2026

Rates listed are for primary residence in single family home with a 25% down payment and borrower credit score of 780. Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. 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.

Purchase: 7/1 Adjustable Rate Mortgage (ARM)

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Loan Type Loan Type Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment - 7 years Ex: Monthly Payment - 23 years
7/1 ARM 6.875%, first 7 years; then 1 year CMT + 3.00 adjusted annually for years 8-30 7.237% 0.000 $450,000.00 $2,956.18 $4,585.50 maximum P&I payment over the remaining 23 years

Interest Rates Effective: 10/15/2026

Rates listed are for primary residence in single family home with a 25% down payment and borrower credit score of 780. Loan terms include an initial 7-year fixed P&I payment. After the initial fixed period, your P&I payment & interest rate adjusts annually based on the 1-year Constant Maturity Treasury (CMT) index plus a 3.00% margin (fully indexed rate) for the remaining term of the loan, the interest and payments may increase.  Interest rate caps over the start rate are 5% initial, 2% subsequent and 5% lifetime. Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. The APR may be increased after the closing date on adjustable-rate mortgage (ARM) loans. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rates, 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 7.250% 7.345% 0.250 $450,000.00 $3069.79
15-year Fixed Rate Refinance 6.875% 6.984% 0.000 $450,000.00 $4013.34

Interest Rates Effective: 10/15/2026

Rates listed are for primary residence in single family home with 25% equity and borrower credit score of 780. Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. 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.

Refinance: Cash-out Refi Rates

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Cash-out Refinance 7.500% 7.585% 0.125 $450,000 includes $150,000 cash out $3146.47
15-year Fixed Cash-out Refinance 7.375% 7.489% 0.000 $450,000 includes $150,000 cash out $4139.65

Interest Rates Effective: 10/15/2026

Rates listed are for primary residence in single family home with 25% equity and borrower credit score of 780. Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. 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. 

Jumbo: Purchase Loan Rates

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate Jumbo Purchase 7.250% 7.326% 0.125 $900,000.00 $6139.59
15-year Fixed Rate Jumbo Purchase 7.250% 7.352% 0.000 $900,000.00 $8215.77

Interest Rates Effective: 10/15/2026

Rates listed are for primary residence in single family home of $1,200,000 with a 25% down payment and borrower credit score of 780. Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. 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.

Jumbo: 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 Jumbo Refinance 7.490% 7.555% 0.000 $900,000.00 $6,286.77
15-year Fixed Rate Jumbo Refinance 7.500% 7.604% 0.000 $900,000.00 $8343.11

Interest Rates Effective: 10/15/2026

Rates listed are for primary residence in single family home with 25% equity and borrower credit score of 780. Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. 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.

Jumbo: Cash-out Refi Rates

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate Jumbo Cash-out Refinance 7.375% 7.452% 0.125 $910,000.00 includes $250,000 cash out $6285.14
15-year Fixed Rate Jumbo Cash-out Refinance 7.375% 7.478% 0.000 $910,000.00 Includes $250,000 Cash Out $8,371.30

Interest Rates Effective: 10/15/2026

Rates listed are for primary residence in single family home with 35% equity and borrower credit score of 780. Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. 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. 

Manufactured Homes: Purchase

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate MH Purchase 7.250% 7.341% 0.125 $375,000.00 $2558.16
15-year Fixed Rate MH Purchase 7.125% 7.249% 0.000 $375,000.00 $3,396.87

Interest Rates Effective: 10/15/2026

Rates listed are for primary residence in manufactured home with a 25% down payment and borrower credit score of 780. Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. 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.

Manufactured Homes: 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 MH Refinance 7.375% 7.454% 0.000 $375,000.00 $2590.03
15-year Fixed Rate MH Refinance 7.125% 7.290% 0.250 $375,000.00 $3,396.87

Interest Rates Effective: 10/15/2026

Rates listed are for primary residence in manufactured home with 25% equity and borrower credit score of 780. Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. 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.

Manufactured Homes: Cash-out Refi

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate MH Cash-out Refi 7.500% 7.613% 0.000 $325,000.00 $2,618.18
15-year Fixed Rate MH Cash-out Refi 7.125% 7.402% 0.875 $325,000.00 $2,943.95

Interest Rates Effective: 10/15/2026

Rates listed are for primary residence in single family home with 35% equity and borrower credit score of 780. Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. 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 6.875% 7.167% 0.250 $510,750.00 $3,355.26

Interest Rates Effective: 10/15/2026

Rates listed are for primary residence in single family home with a 0% down payment and borrower credit score of 780. Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. Example monthly payments include principal, interest and financing of the VA Funding Fee. Actual fee amount may vary based on loan type and borrower eligibility. 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 6.990% 7.103% 0.000 $500,000.00 $3323.16

Interest Rates Effective: 10/15/2026

Rates listed are for primary residence in single family home with 0% equity and borrower credit score of 780. Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. Example monthly payments include principal, interest and financing of the VA Funding Fee. Actual fee amount may vary based on loan type and borrower eligibility. 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: Cash-out Refi

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate Cash-out VA Refinance 6.875% 7.182% 0.375 $459,675.00 $3,019.74

Interest Rates Effective: 10/15/2026

Rates listed are for primary residence in single family home with 10% equity and borrower credit score of 780. Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. Example monthly payments include principal, interest and financing of the VA Funding Fee. Actual fee amount may vary based on loan type and borrower eligibility. 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.

USDA Home Loan: Purchase

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year USDA Fixed Rate Purchase 6.750% 7.266% 0.000 $505,050.00 $3422.34

Interest Rates Effective: 10/15/2026

USDA Guaranteed Loans include a one-time upfront guarantee fee of 1% of the loan amount, which can be financed into the loan or paid at closing. An annual fee of 0.35% of the remaining loan balance is also required and paid monthly as part of your mortgage payment. These fees help support the USDA loan program and are subject to change annually.

Rates listed are for primary residence in single family home with a 0% down payment and borrower credit score of 780. Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender.  Example monthly payments are estimates based on final loan amount and include principal, interest, the USDA Annual Fee and financing of the upfront USDA Guarantee Fee. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice and are subject to credit approval. Ask us about additional available loan programs.

Land Loans Rates

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
20 Year Fixed Rate Land Purchase (20yr / 5yr balloon) 8.625% 9.096% 0.000 $140,000.00 $1226.05

Interest Rates Effective: 10/15/2026

Rates listed are for an improved land purchase with a 30% down payment and borrower credit score of 780.  After first 5 years, remaining outstanding principal balance would be a balloon payment of $124,810.00 which could be paid in full or refinanced. 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.

Home Equity Loans

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Loan Term Closing Costs APR Ex: Loan Amount Ex: Monthly Payment
15-year Fixed Rate Home Loan Paid by Customer 8.125% $100,000 $962.88

Interest Rates Effective: 10/15/2026

Example rate is based on a primary residence and borrower credit score of 720 and a Combined Loan to Value of 70%. Assumes the borrower has a first lien mortgage and the home equity loan is a second lien on subject property. Max 80% LTV.  Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. APR (Annual Percentage Rate) is based on loan amount, interest rate, LTV and credit score.  Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.