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Rates
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| Term | Rate | Points | APR |
|---|---|---|---|
| Purchase: 30-Year Fixed Conventional ^$726200 | 6.125%1 | 0.00% | 6.274% |
| Purchase: 30-Year Fixed Conventional ^$250000 | 6.125% | 0.00% | 6.274% |
| Purchase: 30-Year Fixed Conventional ^$150000 | 6.000% | 0.00% | 6.196% |
| Purchase: 20-Year Fixed Conventional | 5.750% | 0.00% | 5.943% |
| Purchase: 15-Year Fixed Conventional | 5.625% | 0.00% | 5.807% |
| Purchase: 10/1 ARM (30-Year Amortization) | 6.250%2 | 0.00% | 7.228% |
| Purchase: 5/1 ARM (30-Year Amortization) | 6.000% | 0.00% | 7.558% |
| Purchase: 10/1 Jumbo* ARM (30-Year Amortization) | 6.500%3 | 0.00% | 7.272% |
| Purchase: 5/1 Jumbo* ARM (30-Year Amortization) | 6.250% | 0.00% | 7.541% |
| Rates are effective as of 06/08/2023. Rates may be as low as quoted rates - other terms and conditions may apply. For other loan amounts, terms, and rates please contact the Dupaco Mortgage Team. All loans are subject to approval. Rates, terms, and conditions are subject to change. ^Rates assume owner occupied - primary and secondary residence only. Rates are based on minimum credit score of 740 and 75% loan to value (ltv). 1Conventional Purchase payment example for illustrative purposes only: If you borrow $100,000 at 6.021% annual percentage rate (APR) with a 30-year term, your minimum monthly payment obligation would be $591.61. Over the life of the loan, you will pay $112967.71 in interest. Note: Actual payment obligation will be greater. Payment example does not include amounts for taxes and insurance premiums. 210/1 ARM payment example for illustrative purposes only: On a $150,000, 10/1 ARM amortized over 30 years with an initial interest rate of 6.000% with an APR of 6.644%, after fixed-period of 10 years, the rate may increase annually; individual adjustments are capped at 2% every 12 months, and can never increase by more than the lifetime cap of 6%. A payment example would be as follows based on a fully capped interest rate over the life of the loan. Please note insurance and taxes are not included in the payment example: Years 1-10 at 6.000% interest rate with a payment of $899.33. Year 11 at 8.000% interest rate with a payment of $1050. Year 12 at 10.000% interest rate with a payment of $1206. Year 13-20 at 12.000% interest rate with payment of $1365. The monthly payment may change when the interest rate on an adjustable rate mortgage is reset. For the Adjustable-Rate Mortgage (ARM) product, interest is fixed for a set period of time, and adjusts periodically thereafter. At the end of the fixed-rate period, the interest and payments may increase. The APR and payment may increase after the loan consummation. Insurance and taxes are not included in the payment example. 310/1 Jumbo ARM payment example for illustrative purposes only: On a $750,000, 10/1 ARM amortized over 30 years with an initial interest rate of 6.500% with an APR of 6.914%, after fixed-period of 10 years, the rate may increase annually; individual adjustments are capped at 2% every 12 months, and can never increase by more than the lifetime cap of 6%. A payment example would be as follows based on a fully capped interest rate over the life of the loan. Please note insurance and taxes are not included in the payment example: Years 1-10 at 6.000% interest rate with a payment of $4740.51. Year 11 at 8.500% interest rate with a payment of $5518. Year 12 at 10.500% interest rate with a payment of $6320. Year 13-20 at 12.500% interest rate with payment of $7139. *A loan is considered jumbo if the amount of the mortgage exceeds loan-servicing limits set by Fannie Mae and Freddie Mac which is currently $726,200 for a single-family home in most states. The monthly payment may change when the interest rate on an adjustable rate mortgage is reset. For the Adjustable-Rate Mortgage (ARM) product, interest is fixed for a set period of time, and adjusts periodically thereafter. At the end of the fixed-rate period, the interest and payments may increase. The APR and payment may increase after the loan consummation. Insurance and taxes are not included in the payment example.3 |
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