Mortgage
Home Equity
Consumer
Business
Commercial
Construction
Auto
Agriculture
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Current Rates as
of 07/30/2010 |
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Fixed Rate
Mortgages |
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30 Year |
20 Year |
15 Year |
10 Year |
|
Rate |
4.500% |
4.250% |
4.000% |
3.750% |
|
APR* |
4.595% |
4.379% |
4.163% |
3.993% |
|
Monthly P&I Pmt |
$512.32 |
$626.12 |
$747.90 |
$1,013.22 |
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|
Balloon
Mortgages |
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|
5 Year Balloon |
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|
Rate |
5.50% |
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APR* |
5.55% |
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|
|
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Monthly P&I Pmt |
$570.71 |
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Assumptions |
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The annual
percentage rates
(APRs) and
monthly
principal and
interest (P&I)
payments shown
are based on the
following
assumptions: |
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80%
loan-to-value |
|
$100,000 loan
amount |
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Credit score 740
or greater |
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The rates shown
are for
conforming,
conventional
loans up to
$417,000.
Minimum loan
amount for fixed
rate mortgages
are $60,000.00.
Rates may differ
for jumbo loans
or other loan
programs. All
rates are
subject to
change. |
|
Annualized
Percentage Rate
(APR) includes
certain fees
applicable under
federal law. |
|
Borrowers may be
asked to pay
other third
party fees
associated with
the mortgage
application and
closing as
applicable:
appraisal fee,
flood
determination
fee, credit
report fee,
title insurance,
courier fee,
hazard
insurance,
county recording
fee, local
transfer tax (on
purchase only)
or inspection
fees (on new
construction). |
Real Estate Loans
Our homes are probably the largest investment most of us will ever make. At First Trust and Savings Bank, we offer credit counseling to home applicants. We offer many options to make you a happy homeowner.
Features:
- Flexible in-house financing
 - 15, 20, and 30 year fixed-rate mortgages
- Construction financing available—“build as you please”
- No pre-pay penalties
- Automatic
payment
How much house
can I afford?
How much house can
I qualify for?
Uniform Residential Loan Application
When choosing a house and a mortgage plan, we can assist you in determining how much you can afford to spend on a home each month, and selecting the mortgage loan that fits your budget and your borrowing comfort level. You can utilize our calculators to help make your decisions.
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