Mortgage Loan Rates
Current Loan Rates Effective Tuesday, December 01, 2015
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Fixed Rate Mortgage Loans
Conventional fixed rate terms up to 30 years. Visit our Mortgage Center to obtain current rates/payment information.
Contact one of our Mortgage Loan Officers
Adjustable Rate Mortgage Loans
3/1 Adjustable Rate Mortgage2
Rate fixed for 3 years, adjusts annually thereafter 1% annual rate cap; Lifetime rate cap 4%. Visit our Mortgage Center to obtain current rates/payment information.
5/1 Adjustable Rate Mortgage2
Rate fixed for 5 years, adjusts annually thereafter 2% annual rate cap; Lifetime rate cap 5%. Visit our Mortgage Center to obtain current rates/payment information.
7/1 Adjustable Rate Mortgage
Rate fixed for 7 years, adjusts annually thereafter Initial adjustment cap 5%, annual cap thereafter 2%; Lifetime rate cap 5%. Visit our Mortgage Center to obtain current rates/payment information.
10/1 Adjustable Rate Mortgage
Rate fixed for first 10 years, adjusts annually thereafter Initial adjustment cap 5%, annual cap thereafter 2%; Lifetime rate cap 5%. Visit our Mortgage Center to obtain current rates/payment information.
Contact one of our Mortgage Loan Officers
Land Loans1
| Term |
Rates |
Points |
APR |
P&I
Payment
|
| 15 year fixed |
8.500% |
0 |
8.500% |
$1,230.92 |
FHA/VA Loans3
Contact one of our Mortgage Loan Officers
Unless noted Private Mortgage Insurance is required with less than 20% down payment.
Mortgage interest rates are subject to change at any time and without notice based on market fluctuations. The rate and term offered to members may differ from the rates reflected above based on the credit history, final loan-to-value, and mortgage loan program.
Special Note: Fixed rate products are not available for Jumbo and Condominium financing.
Jumbo mortgage loans are mortgages in excess of $424,100 up to a maximum of $3,000,000 per loan. Jumbo financing is available up to 70% loan to value.
Mortgage loans for Condominiums are available up to $424,100. Condominium financing is available up to 75% loan to value.
Manufactured Home/Land (MH/Land) mortgages available up to $424,100.
1 Maximum LTV 80%. Annual Percentage Rates (APRs) based on $125,000 loan amount with VyStar paying closing costs up to $5,000 (excludes origination fee, discount points, prepaid interest, private mortgage insurance premium, home owner association fees, home inspections (including but not limited to Wood Destroying Organism, Roof and Structural Engineering), Condo document fees and/or monies necessary to fund the escrow account).
2 Not eligible for Manufactured Home/Land
3 Rate changes daily - Call Mortgage Department for current rates.