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Today's Mortgage and Home Equity Rates

Banking for Individuals

TODAY'S MORTGAGE & HOME EQUITY RATES

Rates as of 07/05/2018

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MORTGAGE PURCHASE RATES

Loan Type Interest Rate1 APR2 P&I Payment3

Conforming Loans Less Than or Equal to $548,250

30 Year Fixed 2.750% 2.885% $816.48
15 Year Fixed 2.125% 2.263% $1,298.56

Government Loans (FHA & VA)

30 Year Fixed 2.750%
3.211% $816.48
15 Year Fixed 2.625% 3.259%
$1,345.38
Mortgage interest rates above are for purchase transactions only and include certain point and fee combinations. Rates are subject to change without notice and may vary depending on the loan amount and type of transaction. Interest rates and point combinations for additional loan types are available. Please contact us for additional information.


MORTGAGE REFINANCE RATES

Loan Type Interest Rate1 APR2 P&I Payment3

Conforming Loans Less Than or Equal to $548,250

30 Year Fixed 3.000% 3.117% $843.21
15 Year Fixed 2.375% 2.496% $1,321.84
Mortgage interest rates above are for refinance transactions only and include certain point and fee combinations. Rates are subject to change without notice and may vary depending on the loan amount and type of transaction. Interest rates and point combinations for additional loan types are available. Please contact us for additional information.



HOME EQUITY TERM LOAN

Loan Term Interest Rate4 APR5 Payments6
60 Months 4.750% 4.750% $2,813.54
120 Months 5.375% 5.375% $1,618.62
180 Months 5.750% 5.750%
$1,245.62


HOME EQUITY LINE OF CREDIT

Loan Term Index 7 Margin 8 APR 9
Revolving Prime 0.000% to 1.240%
3.25% to 4.49%
  1. Displayed interest rates reflect current rates for the loan products noted above for a single-family residence, based upon a 45 day lock period with an establishment of an escrow account for property taxes, hazard insurance and mortgage insurance, if applicable. Rates for adjustable rate mortgages (ARMs) are subject to change at the end of their respective fixed rate terms. These rates may be adjusted semi-annually thereafter based upon the index (30 day average SOFR (SOFR30A) - for conforming and the one-year Constant Maturity Treasury (CMT) for FHA - as published by the Wall Street Journal) plus a margin. This information is accurate as of the date of the latest update and is subject to change without notice. Individual interest rates will vary depending upon loan details such as loan-to-value, credit history, property type and occupancy. Stated interest rates do not constitute an offer to enter into an interest rate or discount point agreement.
  2. The displayed Annual Percentage Rate (APR) for the loan products shown reflect the interest rates and applicable closing costs. Rates and APRs for ARMs are subject to change during the loan term.
  3. Principal and interest (P&I) payments are based upon the interest rate and term for each loan type, maximum loan to value of 75% and a loan size of $200,000. Payments shown exclude taxes and insurance; total payments will be higher.
  4. Displayed interest rates are based upon a 30-day lock for a loan on a primary residence with a minimum FICO score of 740 and a combined loan to value of 85%. This information is accurate as of 07/05/2018 and is subject to change without notice. Individual interest rates will vary depending upon loan details such as combined loan to value, credit history, property type and occupancy. Stated interest rates include a 0.25% loan rate discount when payments are automatically deducted from a Univest checking or savings account and do not constitute an offer to enter into an interest rate agreement.
  5. Annual Percentage Rate (APR).
  6. Payment amount represents principal and interest payments based upon the noted term and interest rate and a loan amount of $150,000.
  7. Prime rate as published in the Wall Street Journal Money Rates Table. As of 07/05/2018 the Prime rate is 3.250 %.
  8. Margin varies based upon combined loan to value, credit history, property type and occupancy. Margin reflected above does not include auto pay discount of 0.25% from Univest checking or savings account.
  9. Annual Percentage Rate (APR) reflects current prime rate plus the margin. Maximum APR over the life of the home equity line of credit is 18.00%.



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