Mortgage/Home Equity Rates

Type Description Rate APR#+ Term
Low 30-year Mortgage Purchase Loan 30 Year Fixed 3.375% 3.550% 360 Months
Low 30-year Mortgage Refinance 30 Year Fixed 3.675% 3.854% 360 Months
Low 15-year Mortgage Purchase Loan 15 Year Fixed 2.750% 2.929% 180 Months
Low 15-year Mortgage Refinance 15 Year Fixed 3.250% 3.549% 180 Months
Low 30-year Mortgage Jumbo Loans 30 Year Fixed Jumbo Call HAPO Mortgage for a quote * 360 Months
Low 15-year Mortgage Jumbo Loans 15 Year Fixed Jumbo Call HAPO Mortgage for a quote
* 180 Months
FHA Mortgage 30 Year Fixed 5.000% 5.296% 360 Months
FHA Mortgage 15 Year Fixed 4.250% 4.750% 180 Months
VA Mortgage 30 Year Fixed *15 yr available 5.125% 5.561% 360 Months
Home Equity Loan | Second Lien Position Up to 90% Loan to Value 5.000% 5.060% 120 Months
Home Equity Loan | Second Lien Position Up to 80% Loan to Value 4.750% 5.056% 180 Months
Home Equity Loan | Second Lien Position Up to 65% Loan to Value 4.500% 4.802% 180 Months
Home Equity Visa** Up to 85% Loan to Value   Prime + 1.00%  
Residential Land Loan 5 Year Amortized over 15 Years 5.990% 6.654%  
Ask us about our Major Remodel Equity Loan Up to 100% Loan to Value Rates 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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