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Mortgage loan Rates
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| Type | Description | Rate | APR# | Term | Conditions | |||||||||
| Mortgage Loan | 30 Year Fixed | 4.250% | 4.400% | 360 Months | ** | |||||||||
| Mortgage Loan | 20 Year Fixed | 4.125% | 4.275% | 240 Months | ** | |||||||||
| Mortgage Loan | 15 Year Fixed | 3.875% | 4.025% | 180 Months | ** | |||||||||
| Home Equity Loan | Up to 85% Loan to Value | 4.75% | 4.93% | 84 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 | Prime + 2.00% | + | |||||||||||
| 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 Loan | 30 Year Fixed Jumbo | 4.750% | 4.900% | 360 Months | *** | |||||||||
| Mortgage Loan | 15 Year Fixed Jumbo | 4.375% | 4.525% | 180 Months | *** | |||||||||
 Mortgage Application |
A higher rate may apply on non-owner occupied properties. See a loan officer for details.
*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.
***Jumbo rates apply to any loan amount over $417,000.
+This APR will vary with the market based on the Prime Rate as reported in the Wall Street Journal, as well as credit score. Click here to see the current Prime Rate.
Example
For example, a home loan of $100,000.00 at 4.250% with an Annual
Percentage Rate (APR) of 4.400% 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.
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.
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