Mortgage/Home Equity Rates

TypeDescriptionRateAPR+Term
Low 30-year Mortgage Purchase/Refinance Loan30 Year Fixed5.375%5.586% 360 Months
Low 30-year Mortgage Cash-Out Refinance30 Year Fixed5.875%6.094%360 Months
Low 15-year Mortgage Purchase/Refinance Loan15 Year Fixed4.250%4.594%180 Months
Low 15-year Mortgage Cash-Out Refinance15 Year Mortgage Cash-out Refinance4.875%5.228%
180 Months
Low 30-year Mortgage Jumbo Loans30 Year Fixed JumboCall HAPO Mortgage for a quote*360 Months
Low 15-year Mortgage Jumbo Loans15 Year Fixed JumboCall HAPO Mortgage for a quote
*180 Months
30-year Mortgage Purchase/Refinance LoanFHA 30 Year Fixed4.750%5.847%360 Months
15-year Mortgage Purchase/Refinance LoanFHA 15 Year Fixed4.375%5.679%180 Months
30-year Mortgage Purchase/Refinance LoanVA 30 Year Fixed5.000%5.263%360 Months
15-year Mortgage Purchase/Refinance LoanVA 15 Year Fixed4.500%4.946%180 Months
Fixed Home Equity Low rate Promotion | Second Lien Position10 Year | Up to 80% LTV3.490%3.711%120 Months
Home Equity Loan | Second Lien PositionUp to 85% Loan to Value5.000% 5.396% 180 Months
Home Equity Loan | Second Lien PositionUp to 80% Loan to Value4.250% 4.646% 180 Months
Home Equity Loan | Second Lien PositionUp to 70% Loan to Value4.000%4.396%180 Months
Home Equity Visa**Up to 85% Loan to Value Prime + 1.00% 
Residential Land Loan5 Year Amortized over 15 Years / Up to 80% Loan to Value6.490%7.154%180 months / due in 5 years
Residential Land Loan5 Year Amortized over 15 Years / Up to 70% Loan to Value4.990%5.654%180 months / due in 5 years
Ask us about our Major Remodel Equity LoanUp to 100% Loan to ValueRates as low as 2.99%3.364%60 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.

* Call HAPO Mortgage for a quote.

** 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.

Construction Mortgage Rates

TypeDescriptionRateAPR+Term
15-Year Fixed Construction15 Year Fixed4.000%4.581%180 Months
20-Year Fixed Construction20 Year Fixed4.625%5.127%240 Months
30-Year Fixed Construction30 Year Fixed4.875%5.262%360 Months

+ Annual Percentage Rate.

Fixed Construction Programs:

Rates shown for the 15, 20 and 30 Year Fixed Rate Construction loan assume a loan amount of $400,000 for the construction of a single-family primary residence, a borrower credit score of 700 or higher, with an origination fee of 1.50% and a down payment of 20% or more. Loans with down payments of less than 20% may require mortgage insurance which could increase the APR. Interest on the amount of credit outstanding during the construction period will be paid monthly. Payments provided above are for the 15, 20 and 30 Year Fixed permanent phase of the loan and reflect an estimated property value of $500,000 with a loan amount of $400,000. Payments shown do not reflect amounts for taxes and insurance. The actual payment obligation will be greater.

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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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