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HOME |
ABOUT US |
LOAN RATES |
CONSUMER
TIPS |
PRIVACY |
This page provides our current loan rates only.
(Rates as of 9/04/08)
For more information about our many financing options concerning
terms, conditions, APR (Annual Percentage Rate), and requirements click
here, or on Loans in the menu.
CONFORMING LOANS
|
PRODUCT |
POINTS |
RATE |
APR |
| 30 yr. fixed |
0 |
6.125 |
6.129 |
|
30 yr. fixed NO CC's |
0 |
6.500 |
6.502 |
| 20 yr. fixed |
0 |
6.125 |
6.129 |
| 15 yr. fixed |
0 |
5.750 |
5.790 |
| 10 yr. fixed |
0 |
N/A |
N/A |
PORTFOLIO LOANS
|
PRODUCT |
POINTS |
MARGIN |
RATE |
APR |
| 1/1 ARM |
1.00 |
.50 |
5.500 |
5.591 |
| 3/1 ARM |
1.00 |
.75 |
5.750 |
5.843 |
| 5/1 ARM |
1.00 |
1.00 |
6.000 |
6.094 |
Rates are based on Wall Street Prime
HOME EQUITY LINE OF CREDIT
Prime + 0% (Current Rate 5.00%,APR
5.00%), up to 80% LTV
Prime + 1% (Current Rate 6.00%,APR
6.00%), up to 85% LTV
Home Equity Line Special!!!!
Open a new Home Equity Line of Credit and enjoy
a variable rate below Prime* for the life of the
loan**
*As published in the Wall Street Journal,
currently 5.00%
**Prime -0.25%; Minimum loan amount $50,000; Maximum
LTV 80%
FIXED RATE 1ST NATIONAL HOME EQUITY LOAN
|
TERM |
RATE |
APR |
| 60 Months |
5.50% |
5.703% |
| 84 Months |
6.00% |
6.151% |
| 120 Month Balloon |
6.50% |
6.611% |
LOT LOAN or LOT w/CONSTRUCTION LOANS
|
Lot Only Loan |
|
TERM |
RATE |
POINTS |
APR |
|
3 Year
Balloon |
6.25% |
1.00% |
6.624% |
|
Lot and
Construction Loan |
|
|
MARGIN* |
TERM |
RATE |
POINTS |
APR** |
| Homeowner |
.75 |
12 mos. |
5.75% |
.50 |
6.482% |
|
|
| Builder Contract |
1.00 |
12 mos. |
6.00% |
1.00 |
6.964% |
| Builder Market |
1.50 |
12 mos. |
6.50% |
1.00 |
7.467% |
| Maximum LTV |
|
85% |
|
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Self-Contracted |
80% |
*Current
Index is the Wall Street Journal Prime Rate (5.00%)
as of 1/31/08
**APR based on $100,000 and 12 MO term |
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INSTALLMENT LOANS
|
AUTO/TRUCK |
TERM |
RATE |
APR |
| New Models |
72 |
5.99 |
6.09 |
| 2006-2007 Models (Used) |
66 |
6.25 |
6.36 |
| 2004-2005 Models |
60 |
6.75 |
6.87 |
| 2001-2003 Models |
48 |
7.50 |
7.64 |
| 2000 & Older Models |
36 |
8.50 |
8.68 |
| New Motorcycles, Boats, etc. |
48 |
8.75 |
8.91 |
| Used Motorcycles,
Boats, etc. |
36 |
9.50 |
9.71 |
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