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Mortgage loan Rates

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TypeDescriptionRateAPR*TermConditions
Mortgage Loan30 Year Fixed5.00%5.18%360 Months**
Mortgage Loan20 Year Fixed5.00%5.18%240 Months**
Mortgage Loan15 Year Fixed4.50%4.68%180 Months**
Home Equity LoanUp to 85% Loan to Value5.50%5.64%120 Months**
Home Equity LoanUp to 85% Loan to Value6.50%6.728%180 Months**
Home Equity LoanUp to 85% Loan to Value7.00%7.071%240 Months**
Home Equity VISAUp to 85% Loan to Value6.125%**
Mobile Home70% Loan to Value7.35%7.65%120 Months*
Mobile Home70% Loan to Value8.35%8.431%180 Months*
Mobile Home70% Loan to Value9.35%9.425%240 Months*

Money Mortgage Application

+"Balloon" loan is amortized over 30 year period with balance due at end of 15 years.

*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. Contact Mortgage Division at our Kennewick Financial Center (509) 946-2044 for current rate information. HAPO is an equal housing lender.

Example
For example, a home loan of $100,000.00 at 5.00% with an Annual Percentage Rate (APR) of 5.18% at a term of 360 months would have a monthly loan principal and interest payment of approximately $536.83. 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.