Mortgage / Home Equity Rates

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Type Description Rate APR# Term Conditions
Low 30-year Mortgage30 Year Fixed4.125%4.352% 360 Months**
Low 15-year Mortgage15 Year Fixed3.250%3.636% 180 Months**
Low 30-year Mortgage30 Year Fixed Jumbo4.375% 4.577%360 Months
Low 15-year Mortgage15 Year Fixed Jumbo3.875%4.222%180 Months
Low 5/1 - ARM5/1 - Adjustable Rate Mortgage 3.000%3.207%360 Months
No Fee Mortgage Loan 30 Year Fixed5.000% 5.043% 360 Months**
No Fee Mortgage Loan 20 Year Fixed4.625% 4.681% 240 Months**
No Fee Mortgage Loan 15 Year Fixed4.500%4.570%180 Months**
No Fee Mortgage Loan 30 Year Fixed Jumbo5.000% 5.030% 360 Months***
No Fee Mortgage Loan 15 Year Fixed Jumbo4.500% 4.548%180 Months***
Home Equity Loan | First Lien PositionUp to 85% Loan to Value4.990% 5.098% 120 Months#
Home Equity Loan | First Lien PositionUp to 85% Loan to Value4.990% 5.066% 180 Months#
Home Equity Loan | Second Lien PositionUp to 85% Loan to Value5.490% 5.599% 120 Months
Home Equity Loan | Second Lien PositionUp to 85% Loan to Value5.990%6.068% 180 Months
Home Equity VisaUp to 85% Loan to ValuePrime + 2.00%+
Residential Land Loan5 Year Amortized over 15 Years6.750%**

# Annual Percentage Rate.

! Minimum qualifies mid credit score is 740 to qualify.

**Mortgage and Home Equity Rates subject to change without notice. At closing of your owner-occupied, first mortgage, HAPO No fee loans will not charge any origination fees when you purchase or refinance your mortgage and the loan is kept in-house. Loans brokered to the other financial institutions do not qualify. Low published rates have a 1.875% origination. HAPO land loans will have a ½ point origination charge. Contact Mortgage Division at the HAPO Business Complex (509) 946-2044 for current rate information. HAPO is an equal housing lender.

***Mortgage and Home Equity Rates subject to change without notice. At closing of your owner-occupied, first mortgage, HAPO Jumbo loans will not charge any origination fees when you purchase or refinance your mortgage and the loan is kept in-house. Jumbo rates apply to any loan amount over $417,000. Contact Mortgage Division at the HAPO Business Complex (509) 946-2044 for current rate information. HAPO is an equal housing lender.

+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.

Important disclosures, assumptions and APR information:
Information displayed is accurate as of the date of the latest update and is subject to change without notice. Loan pricing can only .
The displayed Annual Percentage Rate (APR) for the loan products shown reflects the interest rate and applicable closing costs.
The approximate cost of prepaid finance charges does not constitute and is not a substitute for the Good Faith Estimate of Closing Costs (GFE) that you will receive once you apply for a loan. The actual fees, costs on your specific loan transaction may vary and may include additional fees and costs.
Conventional loans with a down payment less than 20% require mortgage insurance which could increase Annual Percentage Rate (APR).
Mortgage interest rates shown are based on a 30-day lock for the purchase of a primary residence.
These mortgage rates are based upon a variety of assumptions and conditions which include a consumer credit score which may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing. For more information, please contact us.

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 counseling services. Phone: 800-569-4287 TTY: 800-877-8339.