Home Loan Rates
|LOAN TYPES||INTEREST RATE||APR||MONTHLY MORTGAGE PAYMENT (P&I)|
|10 - Year Fixed||3.375%||3.549%||$2,949.04 Payment Details|
|15 - Year Fixed||3.500%||3.621%||$2,144.65 Payment Details|
|20 - Year Fixed||4.000%||4.095%||$1,817.94 Payment Details|
|30 - Year Fixed||4.125%||4.194%||$1,453.95 Payment Details|
|15 - Year High Balance||3.625%||3.692%||$4,326.22 Payment Details|
|30 - Year High Balance||4.250%||4.288%||$2,951.64 Payment Details|
|5/1 Year ARM||3.250%||4.108%||$1,305.62 Payment Details|
|7/1 Year ARM||3.500%||4.093%||$1,347.14 Payment Details|
|10/1 Year ARM||3.625%||4.014%||$1,368.16 Payment Details|
|Home Equity Line of Credit (2 in 1 Product)||5.500%||5.550%||$458.34 Payment Details|
Rates are based on the following assumptions:
Conventional Loans: $300,000 loan amount and 20% down payment (net equity).
High Balance Loans: $600,000 loan amount and 20% down payment
Jumbo Loans: $679,651 loan amount and 20% down payment (net equity).
Note that the rates and/or fees may be higher based upon your credit score.
Home Equity Line of Credit: $100,000
Discount Points = 0
APR = Annual Percentage Rate. A rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees.
Discount Points = A point is equal to one percent of the principal amount of your mortgage. For example, if you get a mortgage for $100,000, one point means you pay $1000 to the lender. These points are usually collected at closing and may be paid by the borrower or the home seller, or may be split between them.
Rates posted are indications only and are subject to change without notice. Your actual rate and/or points may be different, as many factors can affect the final interest rate. The Rate and Payment quotes listed above are based upon the above assumptions.
Rate Locks are available after loan terms have been discussed with an OE Federal Loan Officer using verified credit, Loan-to-Value and borrower qualifications.
High-Balance Mortgages allow for higher loan limits beyond the $453,100 conforming limit up to $679,650 for high-cost areas as determined by the Federal Finance Agency (FHFA). These higher limits are designed to make home ownership more affordable in areas with the highest home prices and are typically priced below jumbo mortgage loans.
All rates are subject to change without notice. For the most up-to-date rates, please call Member Services at 800.877.4444.
*Rates as of May 14, 2019
Format: 12m, 36m, 3y, 7y
Number of Payments:
"They have made our entire banking experience wonderful. We applied for our home loan and the entire [experience] was perfect!"