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Home > Rates & Calculators > Mortgage Rates

Mortgage Rates

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Adjustable Rate Mortgages (ARMs)*
(Effective: November 17, 2017)
Program
Interest Rate
Points
APR
Monthly Payments
per $1000 borrowed
10/1 Adjustable Rate Mortgage **
3.500%
0 3.661%
 months  to  120   $4.49
 months 121  to  359   $4.61
 months 360   $4.62
15/1 Adjustable Rate Mortgage **
3.865%
0 3.881%
 months  to  180   $4.70
 months 181  to  359   $4.66
 months 360   $4.40
5/1 Adjustable Rate Mortgage **
2.875%
1 3.598%
 months  to  60   $4.15
 months 61  to  359   $4.58
 months 360   $4.58
3.125%
0 3.604%
 months  to  60   $4.28
 months 61  to  359   $4.60
 months 360   $4.61
7/1 Adjustable Rate Mortgage **
3.250%
0 3.587%
 months  to  84   $4.35
 months 85  to  359   $4.59
 months 360   $4.60
*Annual Percentage Rate (APR) is subject to change. - Index is based on the comparable term US Treasury Rate plus a margin. ** The initial rate is discounted and is not based on the index and margin to be used in subsequent adjustments. Index is based on the comparable term US Treasury Rate. The APR may increase after consummation of the loan - 5% or more down payment required - Caps 2/6 - *** Payments do not include taxes or insurance - Your payment may be greater if the loan is secured by a first lien - Subject to credit approval - Loans > 80% loan to value (LTV) will require private mortgage insurance (PMI) - Owner occupied properties only. Contact St. Anne's for information about non-owner occupied properties. $5 membership account required.


Fixed Rate Mortgages*
(Effective: November 17, 2017)
Program
Interest Rate
Points
APR
Monthly Payments
per $1000 borrowed
30 Year Fixed
(5% or more down payment)
3.750%
2 3.961%
$4.63
3.875%
1 4.006%
$4.70
4.000%
0 4.050%
$4.77
20 Year Fixed
(5% or more down payment.)
3.375%
2 3.665%
$5.74
3.500%
1 3.680%
$5.80
3.625%
0 3.693%
$5.86
15 Year Fixed
(5% or more down payment.)
3.125%
2 3.497%
$6.97
3.250%
1 3.480%
$7.03
3.375%
0 3.462%
$7.09
10 Year Fixed
(5% or more down payment.)
2.500%
2 3.035%
$9.43
2.625%
1 2.956%
$9.48
2.750%
0 2.875%
$9.54
*Annual Percentage Rate (APR) is subject to change. - Loans > 80% loan to value (LTV) will require private mortgage insurance (PMI)*** Payments do not include taxes or insurance - Your payment may be greater if the loan is secured by a first lien - Subject to credit approval - Owner occupied properties only. Contact St. Anne's for information about non-owner occupied properties. $5 membership account required.