Mortgage / Home Equity Rates

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Type Description Rate APR# Term
Low 30-year Mortgage30 Year Fixed3.550%3.713% 360 Months
Low 15-year Mortgage15 Year Fixed2.875%3.157%180 Months
Low 30-year Mortgage30 Year Fixed Jumbo4.000% 4.113%360 Months
Low 15-year Mortgage15 Year Fixed Jumbo3.400%3.590%180 Months
Low 5/1 - ARM5/1 - Adjustable Rate Mortgage 3.000%3.154%360 Months
FHA Mortgage30 Year Fixed3.625%4.592%360 Months
FHA Mortgage15 Year Fixed3.125%4.274%180 Months
VA Mortgage30 Year Fixed 3.250% 4.160%360 Months
Home Equity Loan | First Lien PositionUp to 85% Loan to Value4.250% 4.508% 120 Months
Home Equity Loan | First Lien PositionUp to 85% Loan to Value4.250% 4.429% 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%7.042%

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.