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Conforming & Jumbo Loan Rates
First Lien, 1-4 Family, Owner Occupied Properties Only
Effective September 2, 2010
| LOAN Type, Term & Amount | Interest Rate (%) | APR (%)* | Points (%) | Monthly Payment Per $1,000 | |
|---|---|---|---|---|---|
| 1st Time Home Buyer | |||||
| 30 Year Fixed/ Up to $250,000 | 4.625 | 4.699 | 0.00 | 5.15 | Apply in Person |
| 15 Year Fixed/ Up to $250,000 | 4.125 | 4.252 | 0.00 | 7.46 | 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 | 4.750 | 4.824 | 0.00 | 5.22 | Apply Now On-Line |
| 20 Year Fixed/ Up to $417,000 | 4.500 | 4.601 | 0.00 | 6.33 | Apply in Person |
| 15 Year Fixed/ Up to $417,000 | 4.250 | 4.377 | 0.00 | 7.53 | Call us Now @ 1-888-372-6678 OR email us at mortgage@esbbank.com |
| 10 Year Fixed/ Up to $417,000 | 4.000 | 4.182 | 0.00 | 10.13 | |
| 7/1 ARM/ Up to $417,000 | 4.000 | 4.071 | 0.00 | 4.78 | |
| 5/1 ARM/ Up to $417,000 | 3.875 | 3.946 | 0.00 | 4.71 | |
| 3/3 ARM/ Up to $417,000 | 2.900 | 3.723 | 0.00 | 4.17 | |
| Jumbo Rates | |||||
| 30 Year Fixed $417,001 to $750,000 |
5.000 | 5.019 | 0.00 | 5.37 | Apply Now On-Line |
| 20 Year Fixed $417,001 to $750,000 |
4.750 | 4.774 | 0.00 | 6.47 | Apply in Person |
| 15 Year Fixed $417,001 to $750,000 |
4.625 | 4.656 | 0.00 | 7.72 | Call us Now @ 1-888-372-6678 OR email us at mortgage@esbbank.com |
| 10 Year Fixed $417,001 to $750,000 |
4.375 | 4.419 | 0.00 | 10.31 | |
| 7/1 ARM $417,001 to $750,000 |
4.500 | 4.518 | 0.00 | 5.07 | |
| 5/1 ARM $417,001 to $750,000 |
4.375 | 4.392 | 0.00 | 5.00 | |
| 3/3 ARM $417,001 to $750,000 |
3.400 | 3.784 | 0.00 | 4.44 | |
| New Construction & Rehabilitation Loans | |||||
| Conforming Rates | |||||
| 30 Year Fixed/ Up to $417,000 | 4.750 | 4.903 | 0.00 | 5.22 | Apply Now On-Line |
| 20 Year Fixed/ Up to $417,000 | 4.500 | 4.704 | 0.00 | 6.33 | Apply in Person |
| 15 Year Fixed/ Up to $417,000 | 4.250 | 4.504 | 0.00 | 7.53 | Call us Now @ 1-888-372-6678 OR email us at mortgage@esbbank.com |
| 10 Year Fixed/ Up to $417,000 | 4.000 | 4.355 | 0.00 | 10.13 | |
| 7/1 ARM/ Up to $417,000 | 4.000 | 4.145 | 0.00 | 4.78 | |
| 5/1 ARM/ Up to $417,000 | 3.875 | 4.019 | 0.00 | 4.71 | |
| 3/3 ARM/ Up to $417,000 | 2.900 | 3.761 | 0.00 | 4.17 | |
| Jumbo Rates | |||||
| 30 Year Fixed $417,001 to $750,000 |
5.000 | 5.041 | 0.00 | 5.37 | Apply Now On-Line |
| 20 Year Fixed $417,001 to $750,000 |
4.750 | 4.804 | 0.00 | 6.47 | Apply in Person |
| 15 Year Fixed $417,001 to $750,000 |
4.625 | 4.693 | 0.00 | 7.72 | Call us Now @ 1-888-372-6678 OR email us at mortgage@esbbank.com |
| 10 Year Fixed $417,001 to $750,000 |
4.375 | 4.439 | 0.00 | 10.31 | |
| 7/1 ARM $417,001 to $750,000 |
4.500 | 4.539 | 0.00 | 5.07 | |
| 5/1 ARM $417,001 to $750,000 |
4.375 | 4.414 | 0.00 | 5.00 | |
| 3/3 ARM $417,001 to $750,000 |
3.400 | 3.781 | 0.00 | 4.44 | |
*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.
The above interest rates/APR's reflect the reduction for automatic payment from an ESB Bank deposit account.
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.
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