Mortgage Rates
Mortgage Rates
Home loan financing terms, disclosures, and example scenarios.
Land Loans Rates
Title :
Land Loans Rates
Effective Date :
10/09/2026
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override :
APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL :
https://apply.ourfirstfed.com/#/choose-loan-type?loginMethod=SSO
External Site URL (for Quin Page) :
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 $125,239.00 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.
Apply Now Action :
Purchase: 7/1 Adjustable Rate Mortgage (ARM)
Apply Now| 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 | 7.000%, first 7 years; then 1 year CMT + 3.00 adjusted annually for years 8-30 | 7.303% | 0.000 | $450,000.00 | $2993.86 | $4628.76 maximum P&I payment over the remaining 23 years |
Interest Rates Effective: 10/09/2026
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.
Land Loans Rates
Title :
Land Loans Rates
Effective Date :
10/09/2026
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override :
APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL :
https://apply.ourfirstfed.com/#/choose-loan-type?loginMethod=SSO
External Site URL (for Quin Page) :
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 $125,239.00 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.
Apply Now Action :
Land Loans Rates
Title :
Land Loans Rates
Effective Date :
10/09/2026
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override :
APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL :
https://apply.ourfirstfed.com/#/choose-loan-type?loginMethod=SSO
External Site URL (for Quin Page) :
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 $125,239.00 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.
Apply Now Action :
Land Loans Rates
Title :
Land Loans Rates
Effective Date :
10/09/2026
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override :
APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL :
https://apply.ourfirstfed.com/#/choose-loan-type?loginMethod=SSO
External Site URL (for Quin Page) :
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 $125,239.00 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.
Apply Now Action :
Land Loans Rates
Title :
Land Loans Rates
Effective Date :
10/09/2026
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override :
APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL :
https://apply.ourfirstfed.com/#/choose-loan-type?loginMethod=SSO
External Site URL (for Quin Page) :
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 $125,239.00 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.
Apply Now Action :
Land Loans Rates
Title :
Land Loans Rates
Effective Date :
10/09/2026
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override :
APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL :
https://apply.ourfirstfed.com/#/choose-loan-type?loginMethod=SSO
External Site URL (for Quin Page) :
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 $125,239.00 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.
Apply Now Action :
Land Loans Rates
Title :
Land Loans Rates
Effective Date :
10/09/2026
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override :
APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL :
https://apply.ourfirstfed.com/#/choose-loan-type?loginMethod=SSO
External Site URL (for Quin Page) :
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 $125,239.00 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.
Apply Now Action :
Land Loans Rates
Title :
Land Loans Rates
Effective Date :
10/09/2026
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override :
APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL :
https://apply.ourfirstfed.com/#/choose-loan-type?loginMethod=SSO
External Site URL (for Quin Page) :
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 $125,239.00 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.
Apply Now Action :
Land Loans Rates
Title :
Land Loans Rates
Effective Date :
10/09/2026
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override :
APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL :
https://apply.ourfirstfed.com/#/choose-loan-type?loginMethod=SSO
External Site URL (for Quin Page) :
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 $125,239.00 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.
Apply Now Action :
Land Loans Rates
Title :
Land Loans Rates
Effective Date :
10/09/2026
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override :
APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL :
https://apply.ourfirstfed.com/#/choose-loan-type?loginMethod=SSO
External Site URL (for Quin Page) :
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 $125,239.00 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.
Apply Now Action :
Land Loans Rates
Title :
Land Loans Rates
Effective Date :
10/09/2026
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override :
APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL :
https://apply.ourfirstfed.com/#/choose-loan-type?loginMethod=SSO
External Site URL (for Quin Page) :
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 $125,239.00 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.
Apply Now Action :
Land Loans Rates
Title :
Land Loans Rates
Effective Date :
10/09/2026
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override :
APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL :
https://apply.ourfirstfed.com/#/choose-loan-type?loginMethod=SSO
External Site URL (for Quin Page) :
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 $125,239.00 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.
Apply Now Action :
Land Loans Rates
Title :
Land Loans Rates
Effective Date :
10/09/2026
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override :
APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL :
https://apply.ourfirstfed.com/#/choose-loan-type?loginMethod=SSO
External Site URL (for Quin Page) :
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 $125,239.00 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.
Apply Now Action :
Land Loans Rates
Title :
Land Loans Rates
Effective Date :
10/09/2026
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override :
APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL :
https://apply.ourfirstfed.com/#/choose-loan-type?loginMethod=SSO
External Site URL (for Quin Page) :
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 $125,239.00 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.
Apply Now Action :
Home Equity Loans
Apply Now| 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: 10/09/2026
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.
Land Loans Rates
Title :
Land Loans Rates
Effective Date :
10/09/2026
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override :
APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL :
https://apply.ourfirstfed.com/#/choose-loan-type?loginMethod=SSO
External Site URL (for Quin Page) :
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 $125,239.00 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.
Apply Now Action :
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