Mortgage / Home Equity Rates

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Type Description Rate APR# Term
Low 30-year Mortgage30 Year Fixed3.750%3.902% 360 Months
Low 15-year Mortgage15 Year Fixed3.000%3.262%180 Months
Low 30-year Mortgage30 Year Fixed Jumbo4.000% 4.119%360 Months
Low 15-year Mortgage15 Year Fixed Jumbo3.750%3.959%180 Months
Low 5/1 - ARM5/1 - Adjustable Rate Mortgage 3.250%3.396%360 Months
No Fee Mortgage Loan 30 Year Fixed4.500% 4.544% 360 Months
No Fee Mortgage Loan 20 Year Fixed4.375% 4.435% 240 Months
No Fee Mortgage Loan 15 Year Fixed4.250%4.325%180 Months
No Fee Mortgage Loan 30 Year Fixed Jumbo4.750% 4.776% 360 Months
No Fee Mortgage Loan 15 Year Fixed Jumbo4.250% 4.295%180 Months
Home Equity Loan | First Lien PositionUp to 85% Loan to Value4.750% 4.951% 120 Months
Home Equity Loan | First Lien PositionUp to 85% Loan to Value4.750% 4.890% 180 Months
Home Equity Loan | Second Lien PositionUp to 85% Loan to Value4.750% 4.895% 120 Months
Home Equity Loan | Second Lien PositionUp to 85% Loan to Value4.750% 4.851% 180 Months
Home Equity VisaUp to 85% Loan to ValuePrime + 2.00%
Residential Land Loan5 Year Amortized over 15 Years6.750%

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 + 2.00% is a variable rate and based off of Prime Rate as reported in the Wall Street Journal

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 homeownership 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 homeownership fees contact the HAPO Mortgage Division at (509) 946-2044.

Having trouble making your monthly mortgage payments? You can contact HUD (the Department of Housing and Urban Development) for counselling services. Phone: 800-569-4287 TTY: 800-877-8339.