Mortgage / Home Equity Rates

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Type Description Rate APR# Term Conditions
HAPO Lowest 30-year Mortgage30 Year Fixed4.750%4.930% 360 Months**
HAPO Lowest 15-year Mortgage15 Year Fixed3.875%4.055% 180 Months**
HAPO Lowest 30-year Mortgage30 Year Fixed Jumbo5.125% 5.305% 360 Months
HAPO Lowest 15-year Mortgage15 Year Fixed Jumbo4.250% 4.430%180 Months
No Fee Mortgage Loan 30 Year Fixed5.000% 5.080% 360 Months**
No Fee Mortgage Loan 20 Year Fixed4.625% 4.705% 240 Months**
No Fee Mortgage Loan 15 Year Fixed4.125% 4.205%180 Months**
No Fee Mortgage Loan 30 Year Fixed Jumbo5.250% 5.330% 360 Months***
No Fee Mortgage Loan 15 Year Fixed Jumbo4.375% 4.455%180 Months***
Home Equity LoanUp to 85% Loan to Value5.250% 5.330% 120 Months#
Home Equity LoanUp to 85% Loan to Value5.550%5.580% 144 Months#
Home Equity LoanUp to 85% Loan to Value5.750% 5.830% 120 Months
Home Equity LoanUp to 85% Loan to Value6.000%6.080% 144 Months
Home Equity VisaUp to 85% Loan to ValuePrime + 2.00%+
Residential Land Loan5 Year Amortized over 15 Years6.750%**

# Annual Percentage Rate.

**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. Lowest published HAPO rates have a 1.5% origination. HAPO land loans will have a ½ point origination charge 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.

***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 Prime Rate as reported in the Wall Street Journal

+++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 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.