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Conforming & Jumbo Loan Rates
First Lien, 1-4 Family, Owner Occupied Properties Only
Effective February 3, 2012
| LOAN Type, Term & Amount | Interest Rate (%) | APR (%)* | Points (%) | Monthly Payment Per $1,000 | |
|---|---|---|---|---|---|
| SPECIAL PRODUCTS PROMOTION1 | |||||
| 15 Year Fixed/ Up to $417,000 | 2.990 | 3.185 | 0.50 | 6.91 | Apply Now Online |
| 15 Year Fixed/ $417,001 to $750,000 | 3.490 | 3.593 | 0.50 | 7.15 |
|
| 12 Year Fixed/ Up to $417,000 | 2.990 | 3.141 | 0.00 | 8.28 |
Apply in Person |
| 12 Year Fixed/ $417,001 to $750,000 | 3.490 | 3.526 | 0.00 | 8.51 |
|
| 7/1 ARM/ Up to $417,000 | 2.990 | 3.057 | 0.00 | 4.22 | Call us Now @ 1-888- 372-6678 OR email us at mortgage@esbbank.com |
| 7/1 ARM/ $417,001 to $750,000 | 3.490 | 3.507 | 0.00 | 4.49 | |
| 1st Time Home Buyer | |||||
| 30 Year Fixed/ Up to $250,000 | 4.000 | 4.071 | 0.00 | 4.78 | Apply in Person |
| 15 Year Fixed/ Up to $250,000 | 3.250 | 3.374 | 0.00 | 7.03 | Call us Now @ 1-888-372-6678 OR email us at mortgage@esbbank.com |
| Purchase and Refinance Loans | |||||
| Conforming Rates | |||||
| 30 Year Fixed/ Up to $417,000 | 4.125 | 4.197 | 0.00 | 4.85 | Apply Now Online |
| 20 Year Fixed/ Up to $417,000 | 4.000 | 4.099 | 0.00 | 6.06 | Apply in Person |
| 15 Year Fixed/ Up to $417,000 | 3.375 | 3.499 | 0.00 | 7.09 | Call us Now @ 1-888-372-6678 OR email us at mortgage@esbbank.com |
| 10 Year Fixed/ Up to $417,000 | 3.250 | 3.429 | 0.00 | 9.78 | |
| 7/1 ARM/ Up to $417,000 | 3.625 | 3.695 | 0.00 | 4.57 | |
| 5/1 ARM/ Up to $417,000 | 3.500 | 3.569 | 0.00 | 4.50 | |
| 3/3 ARM/ Up to $417,000 | 3.250 | 3.318 | 0.00 | 4.36 | |
| Jumbo Rates | |||||
| 30 Year Fixed $417,001 to $750,000 |
4.625 | 4.643 | 0.00 |
5.15 |
Apply Now Online |
| 20 Year Fixed $417,001 to $750,000 |
4.500 | 4.524 | 0.00 | 6.33 | Apply in Person |
| 15 Year Fixed $417,001 to $750,000 |
3.875 | 3.905 | 0.00 | 7.34 | Call us Now @ 1-888-372-6678 OR email us at mortgage@esbbank.com |
| 10 Year Fixed $417,001 to $750,000 |
3.750 | 3.793 | 0.00 | 10.01 | |
| 7/1 ARM $417,001 to $750,000 |
4.125 | 4.142 | 0.00 | 4.85 | |
| 5/1 ARM $417,001 to $750,000 |
4.000 | 4.017 | 0.00 | 4.78 | |
| 3/3 ARM $417,001 to $750,000 |
3.750 | 3.767 | 0.00 | 4.64 | |
| New Construction & Rehabilitation Loans | |||||
| Conforming Rates | |||||
| 30 Year Fixed/ Up to $417,000 | 4.125 | 4.271 | 0.00 | 4.85 | Apply Now Online |
| 20 Year Fixed/ Up to $417,000 | 4.000 | 4.199 | 0.00 | 6.06 | Apply in Person |
| 15 Year Fixed/ Up to $417,000 | 3.375 | 3.621 | 0.00 | 7.09 | Call us Now @ 1-888-372-6678 OR email us at mortgage@esbbank.com |
| 10 Year Fixed/ Up to $417,000 | 3.250 | 3.598 | 0.00 | 9.78 | |
| 7/1 ARM/ Up to $417,000 | 3.625 | 3.766 | 0.00 | 4.57 | |
| 5/1 ARM/ Up to $417,000 | 3.500 | 3.640 | 0.00 | 4.50 | |
| 3/3 ARM/ Up to $417,000 | 3.250 | 3.388 | 0.00 | 4.36 | |
| Jumbo Rates | |||||
| 30 Year Fixed $417,001 to $750,000 |
4.625 | 4.636 | 0.00 | 5.15 | Apply Now Online |
| 20 Year Fixed $417,001 to $750,000 |
4.500 | 4.526 | 0.00 | 6.33 | Apply in Person |
| 15 Year Fixed $417,001 to $750,000 |
3.875 | 3.940 | 0.00 | 7.34 | Call us Now @ 1-888-372-6678 OR email us at mortgage@esbbank.com |
| 10 Year Fixed $417,001 to $750,000 |
3.750 | 3.841 | 0.00 | 10.01 | |
| 7/1 ARM $417,001 to $750,000 |
4.125 | 4.163 | 0.00 | 4.85 | |
| 5/1 ARM $417,001 to $750,000 |
4.000 | 4.037 | 0.00 | 4.78 | |
| 3/3 ARM $417,001 to $750,000 |
3.750 | 3.787 | 0.00 | 4.64 | |
*Annual Percentage Rate: All APR's identified above assume a sample transaction with a $100,000 loan amount ($417,001 loan amount used for Jumbo Loans) at the fee and the term identified. If the term is not identified, a 30 year term is assumed. Adjustable Rate Mortgage interest rates may be increased after consummation of the loan.
NOTE:
All rates subject to change.
Call for rates for loan amounts over $750,000.
The above interest rates/APR's reflect the reduction for automatic payment from an ESB Bank deposit account.
1No rate reduction for auto-pay on the special promotional 15 year fixed, 12 year fixed and 7/1 ARM. The promotional 15 year fixed, 12 year fixed and 7/1 ARM are for purchases and refinances of primary residences only, not for construction or for investment or second homes. If you would like different points, programs, discuss Combo Loans, Investment Loans, or 2nd Home/Vacation Home Loans please Call 1-888-372-6678 (MORT) or email us at mortgage@esbbank.com.
All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.
The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.
For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.
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