IMPORTANT ALERT: We’ve been made aware of text messages and phone calls being received this week regarding the temporary block of debit cards. Please do not respond to these messages. As a reminder, HAPO will never send text messages or call you asking for your personal information or your ATM PIN number. NEVER GIVE OUT YOUR PIN TO ANYONE! If you did provide any of your personal information such as card number or your PIN in response to one of these messages, please call us immediately. We can be reached at 509-943-5676 or 800-284-4276 during regular business hours.

AFTER HOURS SUPPORT: If you provided any personal information such as your card number or your PIN, please call 844-436-1752 to cancel your card immediately.

Mortgage/Home Equity Rates

TypeDescriptionRateAPR#+Term
Low 30-year Mortgage30 Year Fixed3.750%3.914% 360 Months
Low 15-year Mortgage15 Year Fixed3.250%3.333%180 Months
Low 30-year Mortgage30 Year Fixed Jumbo4.250% 4.363%360 Months
Low 15-year Mortgage15 Year Fixed Jumbo3.875%4.073%180 Months
Low 5/1 - ARM5/1 - Adjustable Rate Mortgage 3.750%3.801%360 Months
FHA Mortgage30 Year Fixed3.375%4.372%360 Months
FHA Mortgage15 Year Fixed3.125%4.122%180 Months
VA Mortgage30 Year Fixed *15 yr available3.250% 3.549%360 Months
Home Equity Loan | Second Lien PositionUp to 90% Loan to Value4.750% 5.150% 120 Months
Home Equity Loan | Second Lien PositionUp to 80% Loan to Value4.750% 5.029% 180 Months
Home Equity Visa**Up to 85% Loan to Value Prime + 1.00% 
Residential Land Loan5 Year Amortized over 15 Years6.490%6.782% 
Ask us about our Major Remodel Equity LoanUp to 100% Loan to ValueRates as low as 3.49%3.751%180 Months

 

All rate and program availability is subject to change without notice; contact HAPO Mortgage Division at (509) 946-2044 for further details.

# Annual Percentage Rate.

+** Home Equity Visa rate of Prime + 1.00% is a variable rate and based off of Prime Rate as reported in the Wall Street Journal. The maximum annual percentage rate for a Home Equity VISA is 12.00%. Fees imposed when opening a Home Equity VISA range from approximately $1000-$1500.

Example: For example, a home loan of $100,000.00 at 4.250% with an Annual Percentage Rate (APR) of 4.300% 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 home ownership fees contact the HAPO Mortgage Division at (509) 946-2044. 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 home ownership fees contact the HAPO Mortgage Division at (509) 946-2044.

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Having trouble making your monthly mortgage payments? You can contact HUD (the Department of Housing and Urban Development) for counselling services.

Phone: 800-569-4287
TTY: 800-877-8339.

Apply For A Home Loan

Apply online today!

HAPO
601 Williams Blvd. Richland, WA 99354
Phone: 509-943-5676