OWNER OCCUPIED PROPERTIES |
Purchase 1-4 Family |
Loan Type |
Rate |
APR1 |
Monthly Payment Per $1,000 |
15 Year (5% - 20% Down) |
2.250% |
2.455% |
$6.55 |
30 Year (5% - 20% Down) |
2.750% |
2.862% |
$4.08 |
15 year term would be 180 monthly payments of $6.55 per $1,000 borrowed.
30 year term would be 360 monthly payments of $4.08 per $1,000 borrowed.
RATE/TERM OR CASH-OUT REFINANCE |
1-4 Family |
Loan Type |
Rate |
APR1 |
Monthly Payment Per $1,000 |
15 Year (Up to 80% LTV) |
2.500% |
2.705% |
$6.67 |
30 Year (Up to 80% LTV) |
3.000% |
3.113% |
$4.22 |
15 year term would be 180 monthly payments of $6.67 per $1,000 borrowed.
30 year term would be 360 monthly payments of $4.22 per $1,000 borrowed.
SIMPLE HOME REFI |
Owner Occupied Properties Flat origination fee of $350, 80% maximum LTV |
Description |
Rate |
APR2 |
Monthly Payment Per $1,000 |
10 Year |
3.000% |
3.244% |
$9.66 |
15 Year |
3.500% |
3.670% |
$7.15 |
20 Year |
3.490% |
3.621% |
$5.79 |
10 year term would be 120 monthly payments of $9.66 per $1,000 borrowed.
15 year term would be 180 monthly payments of $7.15 per $1,000 borrowed.
20 year term would be 240 monthly payments of $5.79 per $1,000 borrowed.
Jumbo Loan Rates
OWNER OCCUPIED PROPERTIES |
1-4 Family |
30 year maximum term. Caps: 2% per change, 6% lifetime3 |
Loan Type |
Rate |
APR1 (based on 30-year term) |
Monthly Payment Per $1,000 |
5/1 ARM |
3.000% |
3.270% |
$4.86 |
10/1 ARM |
3.250% |
3.357% |
$4.76 |
15/1 ARM |
3.375% |
3.483% |
$4.76 |
5/1 ARM term would be 84 monthly payments of $4.86 per $1,000 borrowed. Rate may adjust annually after that, with a maximum increase of 2% per year, and 6% for the life of the loan.
10/1 ARM term would be 120 monthly payments of $4.76 per $1,000 borrowed. Rate may adjust annually after that, with a maximum increase of 2% per year, and 6% for the life of the loan.
15/1 ARM term would be 180 monthly payments of $4.76 per $1,000 borrowed. Rate may adjust annually after that, with a maximum increase of 2% per year, and 6% for the life of the loan.
Construction Loans: Construction-to-Permanent and Construction-to-Permanent Renovation loans with single closings. Call for current rates at 614-490-7214
ADDITIONAL INFORMATION FOR ALL HOME LOAN PRODUCTS |
All lending products are subject to review and approval.
Payments - Payments do not include amount for property taxes and insurance premiums. The actual payment amount will be greater.
Insurance - Must be carried on the real property securing the loan.
Rates are subject to change at any time. Rates, terms and conditions may vary based on creditworthiness, qualifications, and collateral conditions. You may call 614-552-0511 or 800-697-0049 for current rates.
1Annual Percentage Rate (APR) Calculations: These APRs are based on $100,000.00 loan amount, 80% Loan to Value (LTV), include applicable points, $450.00 loan processing fee, $250.00 settlement fee, $11.00 life of loan flood certification, $450 underwriting fee and $100 verification of employment processing fee.
2Annual Percentage Rate (APR) Calculations: These APRs are based on $85,000.00 loan amount, 80% Loan to Value (LTV). Flat origination fee of $350.00 is charged.
3ARM Information: ARM Index - Weekly average yield on United States Treasury securities adjusted to a constant maturity of one year, as made available by the Federal Reserve Board. Index value of 0.10% released 01/11/2021. ARM Rates - 5/1 ARM Information shown pertains to the initial five years of the loan and adjusts annually thereafter: 10/1 ARM Information shown pertains to the initial ten years of the loan and adjusts annually thereafter.15/1 ARM Information shown pertains to the initial fifteen years of the loan and adjusts annually thereafter.