Loan Rates

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Payment Example: A Home Mortgage loan for $100,000 over a 180 month period with an APR of 6.149% would have a monthly payment of $843.86. Taxes and insurance not included, your actual payment obligation may be higher.
Loan rate is ONLY guaranteed with a signed 50 day lock-in agreement. Prevailing rate determined 7 days prior to closing.
Maximum Loan – single family – $806,500 as of 01/01/2025 – purchase money or no cash out refi’s – primary residence only – Max LTV 95%.

• Maximum LTV for ANY manufactured home or permanent foundation – 90% (New Build) or 80% (Purchase/Refi)
• For 2-4 units – purchase money primary residences, maximum LTV – 80%
• For 1 unit – owner occupied secondary residence, maximum LTV – 90%
• For cash out refinances – maximum LTV – 80%
• Jumbo mortgage rates available – see portfolio loan rates

*Interest rate and annual percentage rate (APR) are subject to change without notice. Interest rate, APR and terms may vary based on the creditworthiness of the borrower, loan-to-value ratio, loan amount and loan purpose. Rates are based on owner occupancy. Subject to credit and property approval. Other rates and terms available. All APRs and estimated monthly payments based on a $100,000 loan amount and a loan-to-value ratio of 80%. Payments do not include amounts for taxes and insurance premiums, actual obligations will be greater.

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Rate is fixed for first 5 years, then adjusts every 6 months thereafter based on a 30-day compounded average of SOFR (SOFR Index) as made available by the Federal Reserve Bank of New York (New York Fed). 2% interest rate cap at first adjustment and 1% thereafter. Life of loan cap +/-5%, Floor 2.50%, and Margin 2.50%

Rate is fixed for first 7 years, then adjusts every 6 months thereafter based on a 30-day compounded average of SOFR Index) as made available by the Federal Reserve Bank of New York (New York Fed). 5% interest rate cap at first adjustment and 1% thereafter. Life of loan cap +/-5%, Floor 2.50%, and Margin 2.50%

Rate is fixed for first 10 years, then adjusts every 6 months thereafter based on a 30-day compounded average of SOFR (SOFR Index) as made available by the Federal Reserve Bank of New York (New York Fed). 5% interest rate cap at first adjustment and 1% thereafter. Life of loan cap +/-5%, Floor 2.50%, and Margin 2.50%

Loan rate is ONLY guaranteed with a signed 50 day lock-in agreement. Prevailing rate determined 7 days prior to closing.

• For 2-4 Units – Purchase Money Primary Residences, Maximum LTV – 80%
• For 1 Unit – Owner Occupied Secondary Residence, Maximum LTV – 90%
• For Cash Out Refinances – Maximum LTV – 80%
• Jumbo Mortgage Rates Available – see portfolio loan rates below

*Interest rate and annual percentage rate (APR) are subject to change without notice. Interest rate, APR and terms may vary based on the creditworthiness of the borrower, loan-to-value ratio, loan amount and loan purpose. Rates are based on owner occupancy. Subject to credit and property approval. Other rates and terms available. All APRs and estimated monthly payments based on a $100,000 loan amount and a loan-to-value ratio of 80%. Payments do not include amounts for taxes and insurance premiums, actual obligations will be greater.

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Fixed Rate Conforming Mortgage – Investment

Maximum Loan – Single Family – $806,500 as of 01/01/2025 – Purchase Money or No Cash Out Refi – Max LTV 80%

**Please contact Mortgage Loan Originator for current Freddie Mac Investment Rates and corresponding Loan Level Price Adjustments.

• For Cash Out Refinances 1 Unit – Maximum LTV – 75%
• For Cash Out Refinances 2-4 Unit – Maximum LTV – 70%

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Payment Example: A Home Mortgage loan for $100,000 over a 180 month period with an APR of 7.656% would have a monthly payment of $927.01. Taxes and insurance not included, your actual payment obligation may be higher.
Max Loan – bank’s legal lending limit – primary or secondary 1-4 family residences, purchase or refinance.

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Rate is fixed for first 5 years, then adjusts every 6 months thereafter based on a 30-day compounded average of SOFR (SOFR Index) as made available by the Federal Reserve Bank of New York (New York Fed). 2% interest rate cap at first adjustment and 1% thereafter. Life of loan cap +/-5%, Floor 2.50%, and Margin 2.50%

Rate is fixed for first 7 years, then adjusts every 6 months thereafter based on a 30-day compounded average of SOFR (SOFR Index) as made available by the Federal Reserve Bank of New York (New York Fed). 5% interest rate cap at first adjustment and 1% thereafter. Life of loan cap +/-5%, Floor 2.50%, and Margin 2.50%

Rate is fixed for first 10 years, then adjusts every 6 months thereafter based on a 30-day compounded average of SOFR (SOFR Index) as made available by the Federal Reserve Bank of New York (New York Fed). 5% interest rate cap at first adjustment and 1% thereafter. Life of loan cap +/-5%, Floor 2.50%, and Margin 2.50%

• For Refinance Mortgages – LTV Capped at 95% for No-Cash Out Refi’s and 80% for Cash Out Refi’s
• Maximum LTV for ANY Manufactured Home on Permanent Foundation – 90% (New Build) or 80% (Purchased/Refi)
• New construction financing within 9 month I/O building period. 0.5% construction fee- Max LTV 90% of total project (with PMI).
• For 1-2 Units – Purchase Money Primary Residences, Maximum LTV – 95% (with PMI) * 3-4 – LTV 80% or Less – PMI not available.

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Payment Example: a Home Improvement loan for $7,500 over a 60 month period with an APR of 12.250% would have a monthly payment of $167.78.
Rates quoted require automatic payment set up from CCB checking or savings. Add 0.25% if no AFT.

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Payment Example: A Home Equity loan for $25,000 over a 60 month period with an APR of 7.89% would have a monthly payment of $505.59.
May be Primary or Secondary Residence. Bank provides lender credit to cover closing-costs on loan amounts up to $250,000, with a 3 year recapture. Tax stamps exceeding a $250,000 loan amount will be paid by the borrower.
Maximum loan to value 85% / Must be first or second lien position.
Rate will be reduced by 0.25% if autopay from CCB checking or savings account is established at time of closing.

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**10 year Interest only draw + 15 yr payback
May be Primary or Secondary Residence. Bank provides lender credit to cover closing-costs on loan amounts up to $250,000, with a 3 year recapture. Tax stamps exceeding a $250,000 loan amount will be paid by the borrower.
No floor / ceiling – 15.9%

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No rate reduction for autopay.
Rate is as stated- not tied to credit score.