Home Loan Rates

First Mortgage Loans

The interest rate, APR’s, and points shown are subject to change without notice. The payment shown includes principal and interest only. Your actual payment will be higher when an escrow account is established and required. The maximum loan to value is 97% of appraised value or sale price, whichever is less. When refinancing, the maximum loan to value is 80% if you take cash out.

Payment estimates are based on a owner occupied loan in the amount of $100,000 with a LTV of 80%. Closing fees include appraisal and may vary depending on the county where the dwelling is located. Closing fees do not include prepaid interest or escrow reserves.

Term Interest Rate Points APR* as low as Closing Fees Payment
10 Yr Fixed 3.25% 0 3.485% $2791.90 $977.19
15 Yr Fixed 3.25% 0 3.424% $2791.90 $702.67
20 Yr Fixed 4.00% 0 4.148% $2791.90 $605.98
25 Yr Fixed 4.00% 0 4.103% $2791.90 $527.84
30 Yr Fixed 4.00% 0 4.089% $2791.90 $477.42

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321-456-5439

Closed End 2nd Mortgage Loans

The interest rate and APR’s shown are subject to change without notice. The payment shown includes principal and interest only. Closing Fees include appraisal fee, if necessary. The maximum loan to value is 80% of appraised value**. The maximum loan amount is $100,000. Read additional disclosure information. Payment estimates are based on a loan in the amount of $100,000 and a LTV of 80%.

Term Interest Rate APR* as low as Closing Fees Payment
Up to 60 mos. 4.75% 4.894% $1107.89 $1875.69
61-84 mos. 5.00% 5.188% $1107.89 $1413.39
85-120 mos. 5.25% 5.330% $1107.89 $1072.92
121-180 mos. 5.50% 5.557% $1107.89 $817.08

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321-456-5439

Home Equity Loan Programs

The interest rate and APR’s shown are subject to change without notice. The payment shown includes principal and interest only. Closing Fees include estimated appraisal fee, if required, documentary stamps and recording fees. The maximum loan to value ratio of the 1st and 2nd mortgages combined cannot exceed 80% of the appraisal, if required or 110% of the tax assessment. The maximum loan amount is $100,000. Read additional disclosure information.

Payment estimates are based on a loan in the amount $50,000 and include an estimated appraisal fee (determined by the county where the dwelling is located), documentary stamps and recording fees. The rate you pay will be based on your credit history. If your risk profile puts you in a higher risk category your rate may be higher.

The index used to determine the APR is the Prime Rate published in the Money Rates column of the Wall Street Journal.

Home Equity Line of Credit Fixed Rate – up to 80% LTV

Term Interest Rate APR* as low as Closing Fees Payment
Up to 10 Years 5.75% 5.792% $672.50 $548.85

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321-456-5439

Home Equity Line of Credit Variable Rate – up to 80% LTV

Term Interest Rate APR* as low as Closing Fees Payment
15 Years 4.99% As low as 4..99% $672.50 $395.14

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321-456-5439

For information on any of our mortgage products, contact our Mortgage Department at 321-455-9400 x 5439.
*

The rate you pay will be based on your credit history. If your risk profile puts you in a higher risk category your rate may be higher. Your APR will vary based on your final loan amount and finance charges. APR means Annual Percentage Rate.

**

Based on the appraised value or 80% of 110% of tax assessment.

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