Mortgage / Home Equity Rates
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| Type | Description | Rate | APR# | Term | Conditions |
|---|---|---|---|---|---|
| Lowest 30-year Mortgage | 30 Year Fixed | 3.625% | 3.815% | 360 Months | +++ |
| Lowest 15-year Mortgage | 15 Year Fixed | 2.875% | 3.055% | 180 Months | +++ |
| No Fee Mortgage Loan | 30 Year Fixed | 4.000% | 4.070% | 360 Months | ** |
| No Fee Mortgage Loan | 20 Year Fixed | 3.750% | 3.820% | 240 Months | ** |
| No Fee Mortgage Loan | 15 Year Fixed | 3.250% | 3.295% | 180 Months | ** |
| No Fee Mortgage Loan | 30 Year Fixed Jumbo | 4.375% | 4.445% | 360 Months | *** |
| No Fee Mortgage Loan | 15 Year Fixed Jumbo | 3.750% | 3.820% | 180 Months | *** |
| Home Equity Loan | Up to 75% Loan to Value | 4.50% | 4.68% | 120 Months | ** |
| Home Equity Loan | Up to 85% Loan to Value | 4.75% | 4.93% | 84 Months | ** |
| Home Equity Loan | Up to 85% Loan to Value | 5.50% | 5.64% | 120 Months | ** |
| Home Equity Loan | Up to 85% Loan to Value | 6.50% | 6.728% | 180 Months | ** |
| Home Equity Loan | Up to 85% Loan to Value | 7.00% | 7.071% | 240 Months | ** |
| Home Equity Visa | Up to 85% Loan to Value | Prime + 2.00% | + | ||
| Mobile Home | 70% Loan to Value | 7.35% | 7.65% | 120 Months | * |
| Mobile Home | 70% Loan to Value | 8.35% | 8.431% | 180 Months | * |
| Mobile Home | 70% Loan to Value | 9.35% | 9.425% | 240 Months | * |
| No Fee Mortgage Loan (Land) | 5 Year Amortized over 15 Years | 6.50% | ** |
# Annual Percentage Rate.
A higher rate may apply on non-owner occupied properties. See a loan officer for details.
*Mobile Home rates available up to a 240-month term, subject to add-on rate. Rate dependant on year of home. Age of mobile home can be no more than 15-years old from current calendar year. Rates displayed above based on a loan amount of $75,000 at 80% loan to market value.
**Mortgage and Home Equity Rates subject to change without notice. At closing of your owner-occupied, first mortgage, HAPO will not charge any origination fees when you purchase or refinance your mortgage and the loan is kept in-house. Existing HAPO refinances and loans brokered to the other financial institutions do not qualify. All HAPO refinances kept in-house and non-owner occupied homes kept in-house will pay a half point origination fee with a minimum of $500. Contact Mortgage Division at the HAPO Business Complex (509) 946-2044 for current rate information. HAPO is an equal housing lender.
***Jumbo rates apply to any loan amount over $417,000.
+This APR will vary with the market based on the Prime Rate as reported in the Wall Street Journal, as well as credit score. Click here to see the current Prime Rate.
+++Mortgage Rates subject to change without notice. Additional fees may apply with brokered mortgage rates. Contact Mortgage Division at the HAPO Business Complex (509) 946-2044 for current rate information. HAPO is an equal housing lender.
Example: For example, a home loan of $100,000.00 at 3.750% with an Annual Percentage Rate (APR) of 4.070% at a term of 360 months would have a monthly loan principal and interest payment of approximately $464.82. 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 counseling services. Phone: 800-569-4287 TTY: 800-877-8339.