Mortgage Loan Rates

Rates Effective As Of: October 16, 2025

1st & 2nd Mortgage

Loan-To-Value (LTV)	Rates As Low As*
Up to 80%	7.90% APR
81% - 90%	8.90% APR

*6-year balloon; 30-year amortization for 1st, 15-year amortization for 2nd. Fixed rate.

Home Equity Line of Credit (HELOC)

Loan-To-Value (LTV)	Rates As Low As*
Up to 80%	7.25% APR
81% - 90%	7.25% APR

*5-year draw; 10-year repayment. Variable rate. Rate may change quarterly.

Home Equity

Loan-To-Value (LTV)	Rates As Low As*
Up to 80%	7.90% APR
81% - 90%	8.90% APR

*6-year balloon; 15-year amortization. Fixed rate.

Home Improvement

Loan-To-Value (LTV)	Rates As Low As*
Up to 80%	7.90% APR
81% - 90%	8.90% APR

*6-year balloon; 15-year amortization. Fixed rate. Future value appraisal.

Construction

Loan-To-Value (LTV)	Rates As Low As*
Up to 80%	7.90% APR
81% - 90%	8.90% APR

*12-month term. Fixed rate. Future value appraisal.