Mortgage Rates



Low Rate Mortgage Loans

We believe in dream homes and making them happen. Your purchase or refinance process will be guided by one of our mortgage experts to make your experience as easy as possible from start to finish.

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Rates effective as of 8/8/2022  

Conventional Loans

Term

Rates As Low As

APR*

Points

30 Year Fixed 5.875% 5.966% 0.000%
20 Year Fixed 5.375% 5.492% 0.000%
15 Year Fixed 5.250% 5.397% 0.000%
10 Year Fixed 5.250% 5.459% 0.000%
Alternative rate options are available based on your personalized mortgage loan situation and needs.


FHA Loans

Term

Rates As Low As

APR*

Points

30 Year Fixed - Purchase 4.875% 4.997 % 0.000%
30 Year Fixed - Refinance 4.875% 4.969% 0.000%
15 Year Fixed - Purchase 4.250% 4.451% 0.000%
15 Year Fixed - Refinance 4.250% 4.403% 0.000%


Rural Development Loans

Term

Rates As Low As

APR*

Points

30 Year Fixed 5.375% 5.566% 0.000%
15 Year Fixed 4.750% 5.053% 0.000%


MSHDA Loans

Term

Rates As Low As

APR*

Points

30 Year Fixed - with DPA 5.750% 5.897% 0.000%
30 Year Fixed - without DPA 5.250% 5.388% 0.000%


Vacant Land Loans

Term

Rates As Low As

APR*

Points

5 Year Balloon^ 5.500% 5.932% 0.000%
^This is a one-time advance loan and features loan payments based on an amortization of 15 years. At the end of the fifth year, you will owe one final balloon payment for the remaining balance of the loan. If you are unable to make the full balloon payment when it is due, you would need to refinance your loan.

Home Equity Loans

Term

Rate As Low As

APR*

10 Year Fixed 4.740% 4.854%
15 Year Fixed 4.990% 5.071%


Home Equity Line of Credit Loans (HELOC)

Term

Rate As Low As

APR**

Home Equity Line of Credit 5.500% 5.500%

*Annual Percentage Rate (APR) based on an estimated loan amount of $175,000 for Conventional Mortgage Loans and $100,000 for Home Equity Loans. Rates are subject to change daily without notice and represent our best rate available. The actual interest rate to you may vary based on several factors including but not limited to down payment, occupancy type, property type, and your credit history.

**The Annual Percentage Rate (APR) is based on Prime plus a margin. Prime is based on the highest Prime Rate reported in the Midwest Edition of the Wall Street Journal on the last business day of each month, effective on the first day of the next month. Prime is a variable rate; as it changes, the APR on your account will be adjusted monthly. The APR will never exceed 18.000% or the maximum rate allowed by law. The margin is determined by your credit profile and combined loan-to-value, "CLTV." The APR is accurate as of the effective date listed above and is subject to change without notice.
 
All rates are subject to change without notice and represent our best rate available. The actual interest rate available to you may vary based on the your individual credit history and other loan factors.