Mortgage/Home Equity Rates

Type Description Rate APR #+ Term
Low 30-year Mortgage 30 Year Fixed 3.750% 3.914% 360 Months
Low 15-year Mortgage 15 Year Fixed 3.250% 3.333% 180 Months
Low 30-year Mortgage 30 Year Fixed Jumbo 4.250% 4.363% 360 Months
Low 15-year Mortgage 15 Year Fixed Jumbo 3.875% 4.073% 180 Months
Low 5/1 - ARM 5/1 - Adjustable Rate Mortgage 3.750% 3.801% 360 Months
FHA Mortgage 30 Year Fixed 3.375% 4.372% 360 Months
FHA Mortgage 15 Year Fixed 3.125% 4.122% 180 Months
VA Mortgage 30 Year Fixed *15 yr available 3.250% 3.549% 360 Months
Home Equity Loan | Second Lien Position Up to 90% Loan to Value 4.750% 5.150% 120 Months
Home Equity Loan | Second Lien Position Up to 80% Loan to Value 4.750% 5.029% 180 Months
Home Equity Visa** Up to 85% Loan to Value   Prime + 1.00%  
Residential Land Loan 5 Year Amortized over 15 Years 6.490% 6.782%  
Ask us about our Major Remodel Equity Loan Up to 100% Loan to Value Rates as low as 3.49% 3.751% 180 Months

 

All rate and program availability is subject to change without notice; contact HAPO Mortgage Division at (509) 946-2044 for further details.

# Annual Percentage Rate.

+** Home Equity Visa rate of Prime + 1.00% is a variable rate and based off of Prime Rate as reported in the Wall Street Journal. The maximum annual percentage rate for a Home Equity VISA is 12.00%. Fees imposed when opening a Home Equity VISA range from approximately $1000-$1500.

Example: For example, a home loan of $100,000.00 at 4.250% with an Annual Percentage Rate (APR) of 4.300% at a term of 360 months would have a monthly loan principal and interest payment of approximately $491.94. Rate and program availability is subject to and based upon borrower's credit scores, collateral, property loan-to-value, down payment, loan amount and property appraisal. For a complete explanation of credit qualifications and home ownership fees contact the HAPO Mortgage Division at (509) 946-2044. Rate and program availability is subject to and based upon borrower's credit scores, collateral, property loan-to-value, down payment, loan amount and property appraisal. For a complete explanation of credit qualifications and home ownership fees contact the HAPO Mortgage Division at (509) 946-2044.