Today’s Rates… Friday, September 28, 2018

Conventional Rates 

30 Year Fixed     4.75   4.76%  APR* (45 day lock)

20 Year Fixed      4.625%   4.63% APR* (45 day lock)

15 Year Fixed     4.25%    4.26% APR*  (45 day lock)

Guardian will write any term in months, from 120 (10 years) to 360 (30 years).

*APR for 30 and 20 year fixed rate conventional loan, credit score 740 or higher, financing $150,000, 75% LTV with monthly principal and interest payments of $782.48 (30 year) and $959.14 (20 year) .  APR for 15 year based on 80% LTV, financing $150,000, fixed rate conventional loan, monthly principal and interest payments of $1,128.44.  Rates are subject to change.  Payments do not include taxes and insurance and total payment will be greater if included.  Credit score & LTV may cause additional fees.  Additional restrictions may apply.  Recording fees not included.  Subject to underwriting final approval which includes but, not limited to acceptable contract on purchase, satisfactory appraisal, credit and income verification.

Adjustable Rates

1 Year Fixed 3.5%  3.51% ** APR

3 Year Fixed 4.0%  4.01%** APR

5 Year Fixed 4.0%  4.01 %** APR

7 Year Fixed 4.25%  4.26%** APR

**Adjustable rates are fixed for the first 1, 3, 5 and 7 years respectively.  Adjustable rates are amortized over 30 years.  Rates may adjust maximum of 2 points per year or 6 total points from original rate.  Rate is fixed for 12 months after each adjustment, up or down. APR based on 75% LTV, on $150,000 financed, top tier credit on a refinance.  1 year payment before taxes and insurances $673.57, 3 year payment is $716.13, 5 year is $716.13 and the 7 year payment is $737.92.   No pre payment penalty.  Additional restrictions may apply.   5 and 7 year ARM’s are subject to Freddie Mac delivery fees where applicable.  Recording fees not included.  Subject to underwriting final approval which includes but, not limited to acceptable contract on purchase, satisfactory appraisal, credit and income verification.

Government Loans

Guardian offers a complete array of government loans including FHA/VA and USDA loans.  Call for rates and terms.

If you are currently in an FHA loan, take advantage of an FHA Streamline… no income check, no appraisal

 

 Ask about our CONSTRUCTION LOANS, LOT LOANS and FIRST TIME HOME BUYER,  including DOWN PAYMENT ASSISTANCE.

 

All rates published are for personal residence.  Investment property financing is available and in most cases rates can be the same, closing costs will be different.

 

Wally Bates, Senior Loan Officer   Guardian Savings Bank

6100 West Chester Rd., West Chester, OH  45069     office:  513.942.3500 x219

Cell: 513.328.5549  Fax: 513.603.1701  wbates@guardiansavingsbank.com   NMLS# 718219

GSB is a member of FDIC and is an Equal Hosing Lender

                                                                                           

Today’s Rates… Thursday, September 27, 2018

Conventional Rates 

30 Year Fixed     4.75   4.76%  APR* (45 day lock)

20 Year Fixed      4.625%   4.63% APR* (45 day lock)

15 Year Fixed     4.25%    4.26% APR*  (45 day lock)

Guardian will write any term in months, from 120 (10 years) to 360 (30 years).

*APR for 30 and 20 year fixed rate conventional loan, credit score 740 or higher, financing $150,000, 75% LTV with monthly principal and interest payments of $782.48 (30 year) and $959.14 (20 year) .  APR for 15 year based on 80% LTV, financing $150,000, fixed rate conventional loan, monthly principal and interest payments of $1,128.44.  Rates are subject to change.  Payments do not include taxes and insurance and total payment will be greater if included.  Credit score & LTV may cause additional fees.  Additional restrictions may apply.  Recording fees not included.  Subject to underwriting final approval which includes but, not limited to acceptable contract on purchase, satisfactory appraisal, credit and income verification.

Adjustable Rates

1 Year Fixed 3.5%  3.51% ** APR

3 Year Fixed 4.0%  4.01%** APR

5 Year Fixed 4.0%  4.01 %** APR

7 Year Fixed 4.25%  4.26%** APR

**Adjustable rates are fixed for the first 1, 3, 5 and 7 years respectively.  Adjustable rates are amortized over 30 years.  Rates may adjust maximum of 2 points per year or 6 total points from original rate.  Rate is fixed for 12 months after each adjustment, up or down. APR based on 75% LTV, on $150,000 financed, top tier credit on a refinance.  1 year payment before taxes and insurances $673.57, 3 year payment is $716.13, 5 year is $716.13 and the 7 year payment is $737.92.   No pre payment penalty.  Additional restrictions may apply.   5 and 7 year ARM’s are subject to Freddie Mac delivery fees where applicable.  Recording fees not included.  Subject to underwriting final approval which includes but, not limited to acceptable contract on purchase, satisfactory appraisal, credit and income verification.

Government Loans

Guardian offers a complete array of government loans including FHA/VA and USDA loans.  Call for rates and terms.

If you are currently in an FHA loan, take advantage of an FHA Streamline… no income check, no appraisal

 

 Ask about our CONSTRUCTION LOANS, LOT LOANS and FIRST TIME HOME BUYER,  including DOWN PAYMENT ASSISTANCE.

 

All rates published are for personal residence.  Investment property financing is available and in most cases rates can be the same, closing costs will be different.

 

Wally Bates, Senior Loan Officer   Guardian Savings Bank

6100 West Chester Rd., West Chester, OH  45069     office:  513.942.3500 x219

Cell: 513.328.5549  Fax: 513.603.1701  wbates@guardiansavingsbank.com   NMLS# 718219

GSB is a member of FDIC and is an Equal Hosing Lender

                                                                                           

Today’s Rates… Wednesday, September 26, 2018

Conventional Rates 

30 Year Fixed     4.75   4.76%  APR* (45 day lock)

20 Year Fixed      4.625%   4.63% APR* (45 day lock)

15 Year Fixed     4.25%    4.26% APR*  (45 day lock)

Guardian will write any term in months, from 120 (10 years) to 360 (30 years).

*APR for 30 and 20 year fixed rate conventional loan, credit score 740 or higher, financing $150,000, 75% LTV with monthly principal and interest payments of $782.48 (30 year) and $959.14 (20 year) .  APR for 15 year based on 80% LTV, financing $150,000, fixed rate conventional loan, monthly principal and interest payments of $1,128.44.  Rates are subject to change.  Payments do not include taxes and insurance and total payment will be greater if included.  Credit score & LTV may cause additional fees.  Additional restrictions may apply.  Recording fees not included.  Subject to underwriting final approval which includes but, not limited to acceptable contract on purchase, satisfactory appraisal, credit and income verification.

Adjustable Rates

1 Year Fixed 3.5%  3.51% ** APR

3 Year Fixed 4.0%  4.01%** APR

5 Year Fixed 4.0%  4.01 %** APR

7 Year Fixed 4.25%  4.26%** APR

**Adjustable rates are fixed for the first 1, 3, 5 and 7 years respectively.  Adjustable rates are amortized over 30 years.  Rates may adjust maximum of 2 points per year or 6 total points from original rate.  Rate is fixed for 12 months after each adjustment, up or down. APR based on 75% LTV, on $150,000 financed, top tier credit on a refinance.  1 year payment before taxes and insurances $673.57, 3 year payment is $716.13, 5 year is $716.13 and the 7 year payment is $737.92.   No pre payment penalty.  Additional restrictions may apply.   5 and 7 year ARM’s are subject to Freddie Mac delivery fees where applicable.  Recording fees not included.  Subject to underwriting final approval which includes but, not limited to acceptable contract on purchase, satisfactory appraisal, credit and income verification.

Government Loans

Guardian offers a complete array of government loans including FHA/VA and USDA loans.  Call for rates and terms.

If you are currently in an FHA loan, take advantage of an FHA Streamline… no income check, no appraisal

 

 Ask about our CONSTRUCTION LOANS, LOT LOANS and FIRST TIME HOME BUYER,  including DOWN PAYMENT ASSISTANCE.

 

All rates published are for personal residence.  Investment property financing is available and in most cases rates can be the same, closing costs will be different.

 

Wally Bates, Senior Loan Officer   Guardian Savings Bank

6100 West Chester Rd., West Chester, OH  45069     office:  513.942.3500 x219

Cell: 513.328.5549  Fax: 513.603.1701  wbates@guardiansavingsbank.com   NMLS# 718219

GSB is a member of FDIC and is an Equal Hosing Lender

                                                                                           

Today’s Rates… Tuesday, September 25, 2018

Conventional Rates 

30 Year Fixed     4.625   4.63%  APR* (45 day lock)

20 Year Fixed      4.5%   4.51% APR* (45 day lock)

15 Year Fixed     4.125%    4.14% APR*  (45 day lock)

Guardian will write any term in months, from 120 (10 years) to 360 (30 years).

*APR for 30 and 20 year fixed rate conventional loan, credit score 740 or higher, financing $150,000, 75% LTV with monthly principal and interest payments of $782.46 (30 year) and $959.54(20 year) .  APR for 15 year based on 80% LTV, financing $150,000, fixed rate conventional loan, monthly principal and interest payments of $1,128.44.  Rates are subject to change.  Payments do not include taxes and insurance and total payment will be greater if included.  Credit score & LTV may cause additional fees.  Additional restrictions may apply.  Recording fees not included.  Subject to underwriting final approval which includes but, not limited to acceptable contract on purchase, satisfactory appraisal, credit and income verification.

Adjustable Rates

1 Year Fixed 3.5%  3.51% ** APR

3 Year Fixed 4.0%  4.01%** APR

5 Year Fixed 4.0%  4.01 %** APR

7 Year Fixed 4.25%  4.26%** APR

**Adjustable rates are fixed for the first 1, 3, 5 and 7 years respectively.  Adjustable rates are amortized over 30 years.  Rates may adjust maximum of 2 points per year or 6 total points from original rate.  Rate is fixed for 12 months after each adjustment, up or down. APR based on 75% LTV, on $150,000 financed, top tier credit on a refinance.  1 year payment before taxes and insurances $673.57, 3 year payment is $716.13, 5 year is $716.13 and the 7 year payment is $737.92.   No pre payment penalty.  Additional restrictions may apply.   5 and 7 year ARM’s are subject to Freddie Mac delivery fees where applicable.  Recording fees not included.  Subject to underwriting final approval which includes but, not limited to acceptable contract on purchase, satisfactory appraisal, credit and income verification.

Government Loans

Guardian offers a complete array of government loans including FHA/VA and USDA loans.  Call for rates and terms.

If you are currently in an FHA loan, take advantage of an FHA Streamline… no income check, no appraisal

 

 Ask about our CONSTRUCTION LOANS, LOT LOANS and FIRST TIME HOME BUYER,  including DOWN PAYMENT ASSISTANCE.

 

All rates published are for personal residence.  Investment property financing is available and in most cases rates can be the same, closing costs will be different.

 

Wally Bates, Senior Loan Officer   Guardian Savings Bank

6100 West Chester Rd., West Chester, OH  45069     office:  513.942.3500 x219

Cell: 513.328.5549  Fax: 513.603.1701  wbates@guardiansavingsbank.com   NMLS# 718219

GSB is a member of FDIC and is an Equal Hosing Lender

                                                                                           

Today’s Rates… Thursday, September 20, 2018

Conventional Rates 

30 Year Fixed     4.625   4.63%  APR* (45 day lock)

20 Year Fixed      4.5%   4.51% APR* (45 day lock)

15 Year Fixed     4.125%    4.14% APR*  (45 day lock)

Guardian will write any term in months, from 120 (10 years) to 360 (30 years).

*APR for 30 and 20 year fixed rate conventional loan, credit score 740 or higher, financing $150,000, 75% LTV with monthly principal and interest payments of $782.46 (30 year) and $959.54(20 year) .  APR for 15 year based on 80% LTV, financing $150,000, fixed rate conventional loan, monthly principal and interest payments of $1,128.44.  Rates are subject to change.  Payments do not include taxes and insurance and total payment will be greater if included.  Credit score & LTV may cause additional fees.  Additional restrictions may apply.  Recording fees not included.  Subject to underwriting final approval which includes but, not limited to acceptable contract on purchase, satisfactory appraisal, credit and income verification.

Adjustable Rates

1 Year Fixed 3.5%  3.51% ** APR

3 Year Fixed 4.0%  4.01%** APR

5 Year Fixed 4.0%  4.01 %** APR

7 Year Fixed 4.25%  4.26%** APR

**Adjustable rates are fixed for the first 1, 3, 5 and 7 years respectively.  Adjustable rates are amortized over 30 years.  Rates may adjust maximum of 2 points per year or 6 total points from original rate.  Rate is fixed for 12 months after each adjustment, up or down. APR based on 75% LTV, on $150,000 financed, top tier credit on a refinance.  1 year payment before taxes and insurances $673.57, 3 year payment is $716.13, 5 year is $716.13 and the 7 year payment is $737.92.   No pre payment penalty.  Additional restrictions may apply.   5 and 7 year ARM’s are subject to Freddie Mac delivery fees where applicable.  Recording fees not included.  Subject to underwriting final approval which includes but, not limited to acceptable contract on purchase, satisfactory appraisal, credit and income verification.

Government Loans

Guardian offers a complete array of government loans including FHA/VA and USDA loans.  Call for rates and terms.

If you are currently in an FHA loan, take advantage of an FHA Streamline… no income check, no appraisal

 

 Ask about our CONSTRUCTION LOANS, LOT LOANS and FIRST TIME HOME BUYER,  including DOWN PAYMENT ASSISTANCE.

 

All rates published are for personal residence.  Investment property financing is available and in most cases rates can be the same, closing costs will be different.

 

Wally Bates, Senior Loan Officer   Guardian Savings Bank

6100 West Chester Rd., West Chester, OH  45069     office:  513.942.3500 x219

Cell: 513.328.5549  Fax: 513.603.1701  wbates@guardiansavingsbank.com   NMLS# 718219

GSB is a member of FDIC and is an Equal Hosing Lender

                                                                                           

Today’s Rates… Wednesday, September 19, 2018

Conventional Rates 

30 Year Fixed     4.625   4.63%  APR* (45 day lock)

20 Year Fixed      4.5%   4.51% APR* (45 day lock)

15 Year Fixed     4.125%    4.14% APR*  (45 day lock)

Guardian will write any term in months, from 120 (10 years) to 360 (30 years).

*APR for 30 and 20 year fixed rate conventional loan, credit score 740 or higher, financing $150,000, 75% LTV with monthly principal and interest payments of $782.46 (30 year) and $959.54(20 year) .  APR for 15 year based on 80% LTV, financing $150,000, fixed rate conventional loan, monthly principal and interest payments of $1,128.44.  Rates are subject to change.  Payments do not include taxes and insurance and total payment will be greater if included.  Credit score & LTV may cause additional fees.  Additional restrictions may apply.  Recording fees not included.  Subject to underwriting final approval which includes but, not limited to acceptable contract on purchase, satisfactory appraisal, credit and income verification.

Adjustable Rates

1 Year Fixed 3.5%  3.51% ** APR

3 Year Fixed 4.0%  4.01%** APR

5 Year Fixed 4.0%  4.01 %** APR

7 Year Fixed 4.25%  4.26%** APR

**Adjustable rates are fixed for the first 1, 3, 5 and 7 years respectively.  Adjustable rates are amortized over 30 years.  Rates may adjust maximum of 2 points per year or 6 total points from original rate.  Rate is fixed for 12 months after each adjustment, up or down. APR based on 75% LTV, on $150,000 financed, top tier credit on a refinance.  1 year payment before taxes and insurances $673.57, 3 year payment is $716.13, 5 year is $716.13 and the 7 year payment is $737.92.   No pre payment penalty.  Additional restrictions may apply.   5 and 7 year ARM’s are subject to Freddie Mac delivery fees where applicable.  Recording fees not included.  Subject to underwriting final approval which includes but, not limited to acceptable contract on purchase, satisfactory appraisal, credit and income verification.

Government Loans

Guardian offers a complete array of government loans including FHA/VA and USDA loans.  Call for rates and terms.

If you are currently in an FHA loan, take advantage of an FHA Streamline… no income check, no appraisal

 

 Ask about our CONSTRUCTION LOANS, LOT LOANS and FIRST TIME HOME BUYER,  including DOWN PAYMENT ASSISTANCE.

 

All rates published are for personal residence.  Investment property financing is available and in most cases rates can be the same, closing costs will be different.

 

Wally Bates, Senior Loan Officer   Guardian Savings Bank

6100 West Chester Rd., West Chester, OH  45069     office:  513.942.3500 x219

Cell: 513.328.5549  Fax: 513.603.1701  wbates@guardiansavingsbank.com   NMLS# 718219

GSB is a member of FDIC and is an Equal Hosing Lender

                                                                                           

Today’s Rates… Monday, September 17, 2018

Conventional Rates 

30 Year Fixed     4.625   4.63%  APR* (45 day lock)

20 Year Fixed      4.5%   4.51% APR* (45 day lock)

15 Year Fixed     4.125%    4.14% APR*  (45 day lock)

Guardian will write any term in months, from 120 (10 years) to 360 (30 years).

*APR for 30 and 20 year fixed rate conventional loan, credit score 740 or higher, financing $150,000, 75% LTV with monthly principal and interest payments of $771.21 (30 year) and $948.97(20 year) .  APR for 15 year based on 80% LTV, financing $150,000, fixed rate conventional loan, monthly principal and interest payments of $1,118.95.  Rates are subject to change.  Payments do not include taxes and insurance and total payment will be greater if included.  Credit score & LTV may cause additional fees.  Additional restrictions may apply.  Recording fees not included.  Subject to underwriting final approval which includes but, not limited to acceptable contract on purchase, satisfactory appraisal, credit and income verification.

Adjustable Rates

1 Year Fixed 3.5%  3.51% ** APR

3 Year Fixed 4.0%  4.01%** APR

5 Year Fixed 4.0%  4.01 %** APR

7 Year Fixed 4.25%  4.26%** APR

**Adjustable rates are fixed for the first 1, 3, 5 and 7 years respectively.  Adjustable rates are amortized over 30 years.  Rates may adjust maximum of 2 points per year or 6 total points from original rate.  Rate is fixed for 12 months after each adjustment, up or down. APR based on 75% LTV, on $150,000 financed, top tier credit on a refinance.  1 year payment before taxes and insurances $673.57, 3 year payment is $716.13, 5 year is $716.13 and the 7 year payment is $737.92.   No pre payment penalty.  Additional restrictions may apply.   5 and 7 year ARM’s are subject to Freddie Mac delivery fees where applicable.  Recording fees not included.  Subject to underwriting final approval which includes but, not limited to acceptable contract on purchase, satisfactory appraisal, credit and income verification.

Government Loans

Guardian offers a complete array of government loans including FHA/VA and USDA loans.  Call for rates and terms.

If you are currently in an FHA loan, take advantage of an FHA Streamline… no income check, no appraisal

 

 Ask about our CONSTRUCTION LOANS, LOT LOANS and FIRST TIME HOME BUYER,  including DOWN PAYMENT ASSISTANCE.

 

All rates published are for personal residence.  Investment property financing is available and in most cases rates can be the same, closing costs will be different.

 

Wally Bates, Senior Loan Officer   Guardian Savings Bank

6100 West Chester Rd., West Chester, OH  45069     office:  513.942.3500 x219

Cell: 513.328.5549  Fax: 513.603.1701  wbates@guardiansavingsbank.com   NMLS# 718219

GSB is a member of FDIC and is an Equal Hosing Lender

                                                                                           

Today’s Rates… Friday, September 14, 2018

Conventional Rates 

30 Year Fixed     4.625   4.63%  APR* (45 day lock)

20 Year Fixed      4.5%   4.51% APR* (45 day lock)

15 Year Fixed     4.125%    4.14% APR*  (45 day lock)

Guardian will write any term in months, from 120 (10 years) to 360 (30 years).

*APR for 30 and 20 year fixed rate conventional loan, credit score 740 or higher, financing $150,000, 75% LTV with monthly principal and interest payments of $771.21 (30 year) and $948.97(20 year) .  APR for 15 year based on 80% LTV, financing $150,000, fixed rate conventional loan, monthly principal and interest payments of $1,118.95.  Rates are subject to change.  Payments do not include taxes and insurance and total payment will be greater if included.  Credit score & LTV may cause additional fees.  Additional restrictions may apply.  Recording fees not included.  Subject to underwriting final approval which includes but, not limited to acceptable contract on purchase, satisfactory appraisal, credit and income verification.

Adjustable Rates

1 Year Fixed 3.5%  3.51% ** APR

3 Year Fixed 4.0%  4.01%** APR

5 Year Fixed 4.0%  4.01 %** APR

7 Year Fixed 4.25%  4.26%** APR

**Adjustable rates are fixed for the first 1, 3, 5 and 7 years respectively.  Adjustable rates are amortized over 30 years.  Rates may adjust maximum of 2 points per year or 6 total points from original rate.  Rate is fixed for 12 months after each adjustment, up or down. APR based on 75% LTV, on $150,000 financed, top tier credit on a refinance.  1 year payment before taxes and insurances $673.57, 3 year payment is $716.13, 5 year is $716.13 and the 7 year payment is $737.92.   No pre paymentpenalty.  Additional restrictions may apply.   5 and 7 year ARM’s are subject to Freddie Mac delivery fees where applicable.  Recording fees not included.  Subject to underwriting final approval which includes but, not limited to acceptable contract on purchase, satisfactory appraisal, creditand income verification.

Government Loans

Guardian offers a complete array of government loans including FHA/VA and USDA loans.  Call for rates and terms.

If you are currently in an FHA loan, take advantage of an FHA Streamline… no income check, no appraisal

 

 Ask about our CONSTRUCTION LOANS, LOT LOANS and FIRST TIME HOME BUYER,  includingDOWN PAYMENT ASSISTANCE.

 

All rates published are for personal residence.  Investment property financing is available and in most cases rates can be the same, closing costs will be different.

 

Wally Bates, Senior Loan Officer   Guardian Savings Bank

6100 West Chester Rd., West Chester, OH  45069     office:  513.942.3500 x219

Cell: 513.328.5549  Fax: 513.603.1701  wbates@guardiansavingsbank.com   NMLS# 718219

GSB is a member of FDIC and is an Equal Hosing Lender

                 

Today’s Rates… Thursday, September 13, 2018

Conventional Rates 

30 Year Fixed     4.625   4.63%  APR* (45 day lock)

20 Year Fixed      4.5%   4.51% APR* (45 day lock)

15 Year Fixed     4.125%    4.14% APR*  (45 day lock)

Guardian will write any term in months, from 120 (10 years) to 360 (30 years).

*APR for 30 and 20 year fixed rate conventional loan, credit score 740 or higher, financing $150,000, 75% LTV with monthly principal and interest payments of $771.21 (30 year) and $948.97(20 year) .  APR for 15 year based on 80% LTV, financing $150,000, fixed rate conventional loan, monthly principal and interest payments of $1,118.95.  Rates are subject to change.  Payments do not include taxes and insurance and total payment will be greater if included.  Credit score & LTV may cause additional fees.  Additional restrictions may apply.  Recording fees not included.  Subject to underwriting final approval which includes but, not limited to acceptable contract on purchase, satisfactory appraisal, credit and income verification.

Adjustable Rates

1 Year Fixed 3.5%  3.51% ** APR

3 Year Fixed 4.0%  4.01%** APR

5 Year Fixed 4.0%  4.01 %** APR

7 Year Fixed 4.25%  4.26%** APR

**Adjustable rates are fixed for the first 1, 3, 5 and 7 years respectively.  Adjustable rates are amortized over 30 years.  Rates may adjust maximum of 2 points per year or 6 total points from original rate.  Rate is fixed for 12 months after each adjustment, up or down. APR based on 75% LTV, on $150,000 financed, top tier credit on a refinance.  1 year payment before taxes and insurances $673.57, 3 year payment is $716.13, 5 year is $716.13 and the 7 year payment is $737.92.   No pre payment penalty.  Additional restrictions may apply.   5 and 7 year ARM’s are subject to Freddie Mac delivery fees where applicable.  Recording fees not included.  Subject to underwriting final approval which includes but, not limited to acceptable contract on purchase, satisfactory appraisal, credit and income verification.

Government Loans

Guardian offers a complete array of government loans including FHA/VA and USDA loans.  Call for rates and terms.

If you are currently in an FHA loan, take advantage of an FHA Streamline… no income check, no appraisal

 

 Ask about our CONSTRUCTION LOANS, LOT LOANS and FIRST TIME HOME BUYER,  including DOWN PAYMENT ASSISTANCE.

 

All rates published are for personal residence.  Investment property financing is available and in most cases rates can be the same, closing costs will be different.

 

Wally Bates, Senior Loan Officer   Guardian Savings Bank

6100 West Chester Rd., West Chester, OH  45069     office:  513.942.3500 x219

Cell: 513.328.5549  Fax: 513.603.1701  wbates@guardiansavingsbank.com   NMLS# 718219

GSB is a member of FDIC and is an Equal Hosing Lender

                                                                                           

Today’s Rates… Wednesday, September 12, 2018

Conventional Rates 

30 Year Fixed     4.625   4.63%  APR* (45 day lock)

20 Year Fixed      4.5%   4.51% APR* (45 day lock)

15 Year Fixed     4.125%    4.14% APR*  (45 day lock)

Guardian will write any term in months, from 120 (10 years) to 360 (30 years).

*APR for 30 and 20 year fixed rate conventional loan, credit score 740 or higher, financing $150,000, 75% LTV with monthly principal and interest payments of $771.21 (30 year) and $948.97(20 year) .  APR for 15 year based on 80% LTV, financing $150,000, fixed rate conventional loan, monthly principal and interest payments of $1,118.95.  Rates are subject to change.  Payments do not include taxes and insurance and total payment will be greater if included.  Credit score & LTV may cause additional fees.  Additional restrictions may apply.  Recording fees not included.  Subject to underwriting final approval which includes but, not limited to acceptable contract on purchase, satisfactory appraisal, credit and income verification.

Adjustable Rates

1 Year Fixed 3.5%  3.51% ** APR

3 Year Fixed 4.0%  4.01%** APR

5 Year Fixed 4.0%  4.01 %** APR

7 Year Fixed 4.25%  4.26%** APR

**Adjustable rates are fixed for the first 1, 3, 5 and 7 years respectively.  Adjustable rates are amortized over 30 years.  Rates may adjust maximum of 2 points per year or 6 total points from original rate.  Rate is fixed for 12 months after each adjustment, up or down. APR based on 75% LTV, on $150,000 financed, top tier credit on a refinance.  1 year payment before taxes and insurances $673.57, 3 year payment is $716.13, 5 year is $716.13 and the 7 year payment is $737.92.   No pre payment penalty.  Additional restrictions may apply.   5 and 7 year ARM’s are subject to Freddie Mac delivery fees where applicable.  Recording fees not included.  Subject to underwriting final approval which includes but, not limited to acceptable contract on purchase, satisfactory appraisal, credit and income verification.

Government Loans

Guardian offers a complete array of government loans including FHA/VA and USDA loans.  Call for rates and terms.

If you are currently in an FHA loan, take advantage of an FHA Streamline… no income check, no appraisal

 

 Ask about our CONSTRUCTION LOANS, LOT LOANS and FIRST TIME HOME BUYER,  including DOWN PAYMENT ASSISTANCE.

 

All rates published are for personal residence.  Investment property financing is available and in most cases rates can be the same, closing costs will be different.

 

Wally Bates, Senior Loan Officer   Guardian Savings Bank

6100 West Chester Rd., West Chester, OH  45069     office:  513.942.3500 x219

Cell: 513.328.5549  Fax: 513.603.1701  wbates@guardiansavingsbank.com   NMLS# 718219

GSB is a member of FDIC and is an Equal Hosing Lender