Mortgage/Home Equity Rates

TypeDescriptionRateAPR#+Term
Low 30-year Mortgage Purchase/Refinance Loan30 Year Fixed3.250%3.396% 360 Months
Low 30-year Mortgage Cash-Out Refinance30 Year Fixed3.625%3.776%360 Months
Low 15-year Mortgage Purchase/Refinance Loan15 Year Fixed2.500%2.734%180 Months
Low 15-year Mortgage Cash-Out Refinance15 Year Fixed15 Year Mortgage Cash-out15 Year Mortgage Cash-out
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
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 Value5.490%6.154%180 months / due in 5 years
Residential Land Loan5 Year Amortized over 15 Years / Up to 70% Loan to Value4.490%5.113%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%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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