Mortgage - Home Purchase

Today's Mortgage Rates

Home Equity Loan

Term	Max. Loan to Value	Rate*	Max. Loan Amt	Min. Loan Amt
5 Years	80%	6.500%	$250,000	$7,500
5 Years	90%	8.000%	$250,000	$7,500
10 Years	80%	7.125%	$250,000	$7,500
10 Years	90%	8.625%	$250,000	$7,500
15 Years	80%	7.250%	$250,000	$7,500
15 Years	90%	8.750%	$250,000	$7,500

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Home Equity Line of Credit

Max. Loan to Value	Rate*	Floor	Max. Line	Min. Line
80%	Prime minus 0.75%	3.00%	$250,000	$10,000
90%	Prime plus 0.75%	3.00%	$250,000	$10,000

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Rates stated effective as of 10/06/2026. All rates subject to change without notice. Contact us for more information.

APR = Annual Percentage Rate

5 Yr. HEFIX (80% CLTV)

The information provided is based on a $100,000 home equity loan. The rate lock period is 60 days and the assumed credit score is 740+. This assumes that the total of all existing mortgages does not exceed 80.00% of the property value. Property insurance is required. No pre-payment penalties. 

At a 6.500% interest rate, the APR for this loan type is 6.6500%. The estimated monthly payment schedule would be: 60 payments of $1,956.61.

5 Yr. HEFIX (90% CLTV)

The information provided is based on a $100,000 home equity loan. The rate lock period is 60 days and the assumed credit score is 740+. This assumes that the total of all existing mortgages does not exceed 90.00% of the property value. Property insurance is required. No pre-payment penalties. Minimum eligible credit score is 680.

At a 8.000% interest rate, the APR for this loan type is 8.000%. The estimated monthly payment schedule would be: 60 payments of $2,027.64.

10 Yr. HEFIX (80% CLTV)

The information provided is based on a $100,000 home equity loan. The rate lock period is 60 days and the assumed credit score is 740+. This assumes that the total of all existing mortgages does not exceed 80.00% of the property value. Property insurance is required. No pre-payment penalties. 

At a 7.125% interest rate, the APR for this loan type is 7.125%. The estimated monthly payment schedule would be: 120 payments of $1,167.54.

10 Yr. HEFIX (90% CLTV)

The information provided is based on a $100,000 home equity loan. The rate lock period is 60 days and the assumed credit score is 740+. This assumes that the total of all existing mortgages does not exceed 90.00% of the property value. Property insurance is required. No pre-payment penalties. Minimum eligible credit score is 680.

At a 8.625% interest rate, the APR for this loan type is 8.625%. The estimated monthly payment schedule would be: 120 payments of $1,246.55.

15 Yr. HEFIX (80% CLTV)

The information provided is based on a $100,000 home equity loan. The rate lock period is 60 days and the assumed credit score is 740+. This assumes that the total of all existing mortgages does not exceed 80.00% of the property value. Property insurance is required. No pre-payment penalties. 

At a 7.250% interest rate, the APR for this loan type is 7.250%. The estimated monthly payment schedule would be:180 payments of $912.86.

15 Yr. HEFIX (90% CLTV)

The information provided is based on a $100,000 home equity loan. The rate lock period is 60 days and the assumed credit score is 740+. This assumes that the total of all existing mortgages does not exceed 90.00% of the property value. Property insurance is required. No pre-payment penalties. Minimum eligible credit score is 680.

At a 8.750% interest rate, the APR for this loan type is 8.750%. The estimated monthly payment schedule would be: 180 payments of $999.45.

 

Application Fee: $0.00

Closing Fees: $0.00

Annual Fee: $0.00

 

Home Equity Line of Credit:

80% LTV: Fully indexed rate is as low as Prime minus .75% with a floor of 3.00%. 

90% LTV: Fully indexed rate is as low as Prime plus .75% with a floor of 3.00%. Minimum eligible credit score is 680.

Rates based on credit history and qualification restrictions apply. As of January 1st, 2026, the Prime rate is 6.75%. 10 yr draw/15 yr repay.  All rates subject to change without notice. Maximum APR is capped at 18.00%. Property insurance required. No pre-payment penalties. NMLS #669541. All rates subject to change without notice. Contact us for more information.