Mortgage loan Rates

Type	Description	Rate	APR*	Term	Conditions
Mortgage Loan	30 Year Fixed	5.00%	5.18%	360 Months	**
Mortgage Loan	20 Year Fixed	5.00%	5.18%	240 Months	**
Mortgage Loan	15 Year Fixed	4.50%	4.68%	180 Months	**
Home Equity Loan	Up to 85% Loan to Value	5.50%	5.64%	120 Months	**
Home Equity Loan	Up to 85% Loan to Value	6.50%	6.728%	180 Months	**
Home Equity Loan	Up to 85% Loan to Value	7.00%	7.071%	240 Months	**
Home Equity VISA	Up to 85% Loan to Value	6.125%			**
Mobile Home	70% Loan to Value	7.35%	7.65%	120 Months	*
Mobile Home	70% Loan to Value	8.35%	8.431%	180 Months	*
Mobile Home	70% Loan to Value	9.35%	9.425%	240 Months	*

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.