Home Loan Rates
Home Loans — Purchase or Refinance | |||
Fixed Rate Home Loans | Get Current Rates | ||
Offers the security of fixed rates and payments for the life of your loan. A variety of terms are available, from short-term loans to help you pay down your mortgage faster, to long-term loans that keep your payments low. Owner and non-owner occupied loans available. CA properties only. |
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Adjustable Rate Home Loans | Get Current Rates | ||
Lower rates mean you may qualify for a larger home loan. With a variety of terms, and index choices, we can help you find the right loan for your needs. CA properties only. |
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Equity and Home Improvement Loans | APR as Low As: | ||
Home Equity Line of Credit - Variable |
80% LTV | 5.99% APR for 6 months for new HELOCs, then 8.50% (Prime + 0%) |
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Home Equity Line of Credit - FLEX HELOC |
80% LTV | 9.50% | |
Home Equity Line of Credit - Non-Owner Occupied |
70% LTV | 10.00% | |
APR is variable and based on Prime Rate as published in The Wall Street Journal on the last day of the previous month (currently 8.50%). Your actual rate may vary based on your credit history and CLTV. Minimum APR 3.99%. Maximum APR 15%. 20-year draw/repayment period with no annual fee. $499 opening fee for 2nd trust deeds or $799 for 1st trust deeds (waived if $5,000 initial advance is taken and account remains open for 3 years), plus recording fees. Certain restrictions apply. Appraisal fee may be required. Owner-occupied, CA properties only. $200,000 maximum loan amount. Not available for purchases. Payment example, 6 monthly payments of $7.17 for each $1,000 borrowed, followed by 234 monthly payments of $8.67 for each $1,000 borrowed. If only minimum payments are made, a balloon payment will result. FLEX HELOC: Introductory APR is fixed for 5 years or until an additional advance is made (whichever comes first), then Prime Rate + 1% (currently 9.50%). Your actual rate may vary based on your credit history and CLTV. Minimum APR 4.99%. For Non Owner Occupied: APR is variable and based on Prime Rate as published in The Wall Street Journal on the last day of the previous month, Prime Rate + 1.5% (currently 10.00%). Your actual rate may vary based on your credit history and CLTV. Minimum APR 6%. Maximum CLTV 70%. $799 opening fee (waived if $5,000 initial advance is taken and account remains open for 3 years), plus recording fees. Upfront borrower-paid appraisal required. Loan must be in first position. $100,000 maximum loan amount. If only minimum payments are made, a balloon payment will result. |
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Roof Equity Loan |
5yrs 10yrs |
9.00% 10.50% |
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Payment example: 120 payments of $13.52 per $1,000 borrowed. |
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Fixed Owner Occupied | 5yrs 10yrs 15yrs 20yrs |
6.50% 6.75% 8.50% 8.75% |
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Your actual rate may vary based on your credit history and CLTV. Maximum LTV 80%. Maximum loan amount $200,000. $499 fee (waived if loan is kept open for at least 3 years), plus recording fees. No points. Appraisal fee may be required. CA properties only. Add 1 point for piggyback loans. Payment example: 240 payments of $8.84 per $1,000 borrowed. |
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Fixed Non-Owner Occupied | 5yrs 10yrs 15yrs |
7.75% 8.00% 9.75% |
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70% of appraisal less 1st T.D. Maximum loan amount $100,000. 15 year maximum term. $724 fee +1 point. CA properties only. Payment example: 60 payments of $20.17 per $1,000 borrowed. |
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Home Improvement Loan | 5yrs 10yrs 15yrs 20yrs |
6.99 - 8.99% 7.49 - 9.49% 7.74 - 9.74% 7.99 - 9.99% |
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Maximum CLTV 95% for allowable home improvements. 2nd or 3rd Trust Deed required. Interest may be tax deductible (consult your tax advisor). Minimum loan amount $7,500; max. $30,000 ($50,000 for solar). $699 fee (waived if loan is kept open for at least 3 years). No points. Borrower is responsible for credit report fee and cost of appraisal. Owner-occupied CA properties only. Add 1% to rates for 3rd Trust Deed (waived for loans of $30K or less with a term of 5 years or less). Payment example: 180 payments of $9.42 per $1,000 borrowed. |
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30-Year 7/1 ARM • Fixed for 7 | 80% LTV | 7.63% | |
Rate is fixed for 7 yrs, then adjusts annually based on the 1-Year Treasury Bill plus 3%. Maximum LTV 80%. Maximum loan amount $200,000. $499 fee (waived if loan is kept open for at least 3 years), plus recording fees. Owner-occupied, CA properties only. No points and no repayment penalties. Add .50% for Jumbo loans. Maximum lifetime adjustment 10%. Add 1 point for piggyback loans. Payment example: 84 payments of $6.65 per $1,000 borrowed, then 276 payments of $14.50 per $1,000 borrowed. 700+ FICO for lower rates. |
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Auto & RV Equity Loans | Same Great Rates and Terms as New/Used Vehicle Rates and New/Used RV Rates |
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Available for purchases and refinances. No equity required. Enjoy our longest term for higher balance loans, to keep your payments on budget. Ask your branch for details. Owner-occupied, CA properties only. $455 processing fee. |
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Land Loans (CA properties only) | |||
Fully Improved (water, sewer, utilities) | Up to 15 years | 11.50% | |
Up to 70% of value. Variable rate based on Prime Rate as quoted in The Wall Street Journal on the last day of the previous month +3.00%. Maximum loan amount $150,000. Minimum APR 6%. Maximum APR 12%. 5-acre parcel maximum. Residential zoning. Fees: 1 point plus appraisal, title, escrow, and $520 processing. Payment example: 180 payments of $11.69 per $1,000 borrowed. |
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Unimproved | Up to 15 years | 12.00% | |
Up to 60% of value. Variable rate based on Prime Rate as quoted in The Wall Street Journal on the last day of the previous month +3.50%. Maximum loan amount $150,000. Minimum APR 6%. Maximum APR 12%. 5-acre parcel maximum. Residential zoning. Fees: 1 point plus appraisal , title, escrow, and $520 processing. Payment example: 180 payments of $12.01 per $1,000 borrowed. Taxes and insurance are not included in your payment example; your actual payment will be higher. |
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APRs, rates, terms and offers accurate as of 09/30/2023 and subject to change without notice. |