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Mortgage Rates

Fixed Rate Mortgages | 05-24-19

Product Rate APR* Payment*
10 Year Fixed 3.75% 4.00% $1,600.98
15 Year Fixed 3.75% 3.92% $1,163.56
20 Year Fixed 4.00% 4.14% $969.57
30 Year Fixed 4.25% 4.35% $787.10
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*All loan applications are subject to credit and property approval. Annual Percentage Rate (APR) effective as the date shown above. On 10-year fixed rate, 4.00% APR and sample monthly payment of $1,600.98 are based upon a single-family owner-occupied residence with a loan amount of $160,000, 70% Loan-to-Value, $899 origination fee and standard 3rd party charges (e.g. appraisal and title). Assumes no other loans or liens on subject property. $899 origination fee is based on primary borrower having an open Rivermark checking account and debit card at time of closing ($1,199 without checking). Actual APRs for individual loans may differ due to market conditions, individual circumstances such as credit qualifications, increased loan to value, loan purpose (such as investment property) and property type. Maximum APR is 8.00%. Sample monthly payment listed above does not include taxes and insurance premiums. Property and/or flood hazard insurance may be required. Actual payment obligation will be greater. Maximum loan limits may apply.

Adjustable Rate Mortgage | 05-24-19

Product Rate APR* Payment
5/1 ARM 3.75% 4.64% $740.98
7/1 ARM 3.75% 4.50% $740.98
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All loan applications are subject to credit and property approval.

5/1 ARM Fixed for 60 months, adjusts no more than 2% annually thereafter. Rate increases are limited to a maximum of 5% over the initial rate during the lifetime of the loan.

7/1 ARM Fixed for 84 months, adjusts no more than 2% annually thereafter. Rate increases are limited to a maximum of 5% over the initial rate during the lifetime of the loan.

*APRs and payment calculations are based upon a single family, owner occupied residence with a loan amount of $160,000, 70% Loan-to-Value, $899 flat origination fee and standard 3rd party charges (e.g. appraisal and title). $899 origination fee is based on primary borrower having an open Rivermark checking account and debit card at time of closing ($1,199 without checking). Assumes no other loans or liens on subject property. Actual APRs for individual loans may differ due to individual circumstances such as credit qualifications, increased loan to value, loan purpose (such as investment property) and property type. Adjustable Rate Mortgage (ARM) interest rates and payments are subject to change during the loan term.  That change can increase or decrease your monthly payment.

Representative payments listed above do not include taxes and insurance premiums. Property and/or flood hazard insurance may be required. Actual payment obligation will be greater. 

Maximum loan limits may apply. Interest rates and APRs offered are subject to change without notice.

Jumbo Mortgage | 05-24-19

Product Rate APR* Payment
5/1 ARM 3.88% 5.09% $2,280.65
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*All loan applications are subject to credit and property approval.

5/1 ARM Fixed for 60 months, adjusts no more than 2% annually thereafter. Rate increases are limited to a maximum of 6% over the initial rate during the lifetime of the loan.
 
1APR and payment calculations are based upon a single family, owner occupied residence with a loan amount of $455,000, 70% Loan-to-Value, .500% origination fee and standard 3rd party charges (e.g. appraisal and title). Assumes no other loans or liens on subject property. Actual APRs for individual loans may differ due to individual circumstances such as credit qualifications, increased loan to value, loan purpose (such as investment property) and property type.

Representative payments listed above do not include taxes and insurance premiums. Property and/or flood hazard insurance may be required. Actual payment obligation will be greater.

Maximum loan limits may apply. Interest rates and APRs offered are subject to change without notice.

Home Equity Loan | 05-24-19

Term Rate Minimum Loan Amount APR* Payment*
5 Year 5.99% - 14.24% $5,000 6.24% - 14.51% $966-$1,170
10 Year 6.24%-15.24% $10,000 6.37% - 15.40% $561-$814
15 Year 6.49%-15.49% $15,000 6.59% - 15.61% $435-$717
20 Year 6.99%-15.99% $25,000 7.07% - 16.10% $387-$695
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*Annual Percentage Rates (APRs) are calculated based on a loan amount of $50,000, Combined Loan to Value (CLTV) of up to 80% and a $299 loan fee.  Maximum CLTV subject to collateral and credit qualifications; tiered rates are based on credit qualifications and CLTV. Loan applications are subject to credit and property approval.  Representative payments shown include only Principal and Interest.  Appraisal may be required at an additional cost. Property insurance required; flood insurance may be required.  Maximum loan limits apply.  Other rates and terms are available for Investment Property or Manufactured Home Equity Loans.

Home Equity Line of Credit | 05-24-19

Repayment Period Annual Percentage Rate
10 Year Draw Period 6.24% - 11.99%TV
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Home Equity APRs listed above are for owner-occupied single family residences, are effective as of the above date, and are subject to credit and collateral approval. Home Equity Line of Credit is subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates Section of The Wall Street Journal on the 15th day of each month (Index) plus a margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of each billing cycle. The Interest Rate will never be less than 3.99% or greater than 18.00%. Closing costs (if applicable) range from $299 to $1,500, including property appraisal and title insurance, if required. Maximum Combined Loan to Value subject to collateral and credit qualifications. Property insurance required. Other rates and terms are available for Investment Property or Manufactured Home Equity Lines of Credit.

V = Variable Rates. T = Tiered Rates. Tiered rates based on credit qualifications.

Fees & Costs: No Annual Fee. No Origination Fee. Title Report & Recording: $100,000 or Less: $299. Over $100,000: Actual Cost over $250. Appraisal may be required at an additional cost.