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

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