Conventional Rates
30 Year Fixed 3.5% 3.51% APR* (30 day lock)
20 Year Fixed 3.25% 3.26% APR* (30 day lock)
15 Year Fixed 3.0% 3.01% APR* (30 day lock)
We can write any term in months, from 120 (10 years) to 360 (30 years).
Current Bank Clients (or sister company) refinance requires 10 months seasoning.
*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 $673.57, (30 year) and $850.79 (20 year) . APR for 15 year based on 80% LTV, financing $150,000, fixed rate conventional loan, monthly principal and interest payments of $1,035.07. 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 2.75% 2.76% ** APR
3 Year Fixed 3.25% 3.26%** APR
5 Year Fixed 4.5% 4.51 %** APR
**Adjustable rates are fixed for the first 1, 3, and 5 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 $612.36, 3 year payment is $652.81, 5 year is $760.03. No pre payment penalty. 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.
Government Loans
We offer 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, Lending Manager, West Chester
6100 West Chester Rd., West Chester, OH 45069 office: 513.942.3500 x219
Cell: 513.328.5549 Fax: 513.603.1701 NMLS# 718219
FDIC Member and Equal Housing Lender
wallybatesrates 