Mortgage/Home Equity Rates

Type Description Rate APR#+ Term
Low 30-year Mortgage30 Year Fixed3.500%3.663% 360 Months
Low 15-year Mortgage15 Year Fixed2.750%3.000%180 Months
Low 30-year Mortgage30 Year Fixed Jumbo3.900% 4.019%360 Months
Low 15-year Mortgage15 Year Fixed Jumbo3.400%3.590%180 Months
Low 5/1 - ARM5/1 - Adjustable Rate Mortgage 2.875%3.029%360 Months
FHA Mortgage30 Year Fixed3.250%4.217%360 Months
FHA Mortgage15 Year Fixed2.750%3.933%180 Months
VA Mortgage30 Year Fixed 3.375% 4.160%360 Months
Home Equity Loan | First Lien PositionUp to 80% Loan to Value4.250% 4.630% 120 Months
Home Equity Loan | First Lien PositionUp to 80% Loan to Value4.250% 4.429% 180 Months
Home Equity Loan | Second Lien PositionUp to 80% Loan to Value4.250% 4.630% 120 Months
Home Equity Loan | Second Lien PositionUp to 80% Loan to Value4.250% 4.429% 180 Months
Home Equity VisaUp to 85% Loan to ValuePrime + 2.00%
Residential Land Loan5 Year Amortized over 15 Years5.990%6.282%

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 + 2.00% is a variable rate and based off of Prime Rate as reported in the Wall Street Journal

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 homeownership fees contact the HAPO Mortgage Division at (509) 946-2044Rate 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 homeownership 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.