Home Loan Rates

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Rates effective 11/30/2022

Fixed Rate Home Loans
Term Interest Rate* Discount Points Monthly Payments* APR*

30 years

6.500%

0.000%

$948.10

6.533%

15 years

6.000%

0.000%

$1,265.79

6.056%

Adjustable Rate Home Loans (1-year ARM)
Term Interest Rate* Discount Points Monthly Payments* APR*

30 years

5.000%

1.000%

$805.23

6.082%

Fully indexed rate today would be 6.155%

FHA / VA
Term Interest Rate* Discount Points Monthly Payments* APR*

30 years

6.500%

0.000%

$962.54

7.501%

*Interest Rate applies to a $150,000 loan.
*Rate based on Credit Score of 740 or above.
*Payment doesn't include taxes or insurances.
APR includes underwriting fees, flood determination fees and estimated pre-paid interest for owner-occupied properties.
60 day lock pricing.
*Payment amount applies to a $150,000 loan, with a 20% down payment. If the down payment is less than 20%, mortgage insurance may be needed on the loan. This could increase the monthly payment and the APR.
For FHA Loans, *APR also includes cost of FHA mortgage insurance. For ARM Programs, *APR is based on an index and the APR and payments are subject to change after the initial fixed rate period.
Contact us for rates on loans with other amounts, lower down payments, and other terms.
RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.
Loan Pricing may only be locked by a Home Federal Bank lender.
Note: Property insurance is required on all home loans. Additional settlement costs will also apply for services provided by outside parties.

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