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Mortgage loan Rates
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| Type | Description | Rate | APR* | Term | Conditions | |||||||||
| Mortgage Loan | 30 Year Fixed/15 Year Balloon | 5.625% | 5.805% | 180 Months | + | |||||||||
| Mortgage Loan | 30 Year Fixed | 5.875% | 6.055% | 360 Months | ** | |||||||||
| Mortgage Loan | 30 Year Fixed/No Fee | 6.875% | 7.055% | 360 Months | ++ | |||||||||
| Mortgage Loan | 15 Year Fixed | 5.50% | 5.73% | 180 Months | ** | |||||||||
| Mortgage Loan | 15 Year Fixed/No Fee | 5.875% | 6.055% | 180 Months | ++ | |||||||||
| Home Equity Loan | Up to 90% Loan to Value | 5.95% | 6.098% | 120 Months | ** | |||||||||
| Home Equity Loan | Up to 90% Loan to Value | 6.89% | 6.99% | 180 Months | ** | |||||||||
| Home Equity Loan | Up to 90% Loan to Value | 7.29% | 7.37% | 240 Months | ** | |||||||||
| Home Equity VISA | Up to 90% Loan to Value | As low as prime + 0% (Currently at 5.25%) | ** | |||||||||||
| Mobile Home | 80% Loan to Value | 7.35% | 7.65% | 120 Months | * | |||||||||
| Mobile Home | 80% Loan to Value | 8.35% | 8.431% | 180 Months | * | |||||||||
| Mobile Home | 80% 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.
++"No Fee" loan options do not include pre-paid costs (taxes, homeowner insurance or interest).
*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 5.875% with an Annual
Percentage Rate (APR) of 6.055% at a term of 360 months would have a
monthly loan principal and interest payment of approximately $591.54.
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.
