Mortgage Rates

Interest Rates are effective as of April 22, 2014

Mortgage Annual Percentage Rates (APR)

Type Term APR Points

Conventional Fixed Rate Mortgage Purchase*

 

 

 

 

Conventional Fixed Rate Mortgage Refinance*

 

 

 

 

10 Year

15 Year

20 Year

30 Year

 

10 Year

15 Year

20 Year

30 Year

 

3.25%

3.50%

4.25%

4.50%

 

3.375%

3.625%

4.375%

4.625%

 

0 Points

0 Points

0 Points

0 Points

 

0 Points

0 Points

0 Points

0 Points

Evans Community Mortgage Purchase

 

 

 

Evans Community Mortgage Refinance

 

 

 

Single Close Construction Mortgage

*60 Day Rate Lock: .75 Point

*75 Day Rate Lock: .75 Point

*90 Day Rate Lock: 1 Point

15 Year

20 Year

30 Year

 

15 Year

20 Year

30 Year

 

10 year

15 year

20 year

30 year

3.75%

4.50%

4.75%

 

3.875%

4.625%

4.875%

 

3.50%

3.75%

4.50%

4.75%

0 Points

0 Points

0 Points

 

0 Points

0 Points

0 Points

 

*

*

*

*

 

Click here to Return to Current Rates

*Rates and points may vary according to product, credit score and LTV.

*Rates and terms are subject to change without notice.  Rates listed are for  first lien, owner-occupied single family residences.

All loan applications subject to credit and property approval. Flood and/or property hazard insurance is required. Additional fees and closing costs apply. Based on a $100,000 mortgage for 15 years at 3.125%, your monthly payment would be $696.61.

Maximum loan limits and minimum equity/down payment requirements apply.

Other restrictions may apply.

Additional rates and programs are available.

Borrower is responsible for initial tax and insurance escrow deposits, interest and, if applicable, an origination fee for cash out refinance transactions. Borrower is responsible for a portion of the mortgage tax.

** Please call one of our Mortgage Loan officers: John Jimenez - (716) 926-2000 ext 2913, Bob Amico - (716) 926-2000 ext 3719, for CRA loans call our CRA Mortgage Loan Officer: Eric Gadley - (716) 926-2000 ext 3119