HAPO Community Credit Union - Serving the Tri-Cities and Beyond
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Mortgage/Home Equity
 

Mortgage/Home Equity Rates

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TypeDescriptionRateAPR#+Term
Low 30-year Mortgage30 Year Fixed4.675%4.848% 360 Months
Low 15-year Mortgage15 Year Fixed4.125%4.419%180 Months
Low 10-year Mortgage10 Year Fixed4.250%4.501%120 Months
Low 30-year Mortgage30 Year Fixed Jumbo4.775% 4.915%360 Months
Low 15-year Mortgage15 Year Fixed Jumbo4.600%4.842%180 Months
Low 5/1 - ARM5/1 - Adjustable Rate Mortgage 4.300%4.472%360 Months
FHA Mortgage30 Year Fixed4.375%4.691%360 Months
FHA Mortgage15 Year Fixed3.875%4.419%180 Months
VA Mortgage30 Year Fixed 4.250% 4.549%360 Months
Home Equity Loan | Second Lien PositionUp to 80% Loan to Value5.250% 5.417% 120 Months
Home Equity Loan | Second Lien PositionUp to 80% Loan to Value5.250% 5.367% 180 Months
Home Equity Loan | Second Lien PositionUp to 80% Loan to Value5.500% 5.670% 120 Months
Home Equity Loan | Second Lien PositionUp to 80% Loan to Value5.500% 5.619% 180 Months
Home Equity Visa**Up to 85% Loan to ValuePrime + 1.50%
Residential Land Loan5 Year Amortized over 15 Years6.490%6.782%

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 + 1.50% 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.

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.

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