Rates are effective as of the date below. Rates and terms are subject to change without notice.
  

Rates as of Thursday, December 13, 2018

Interest RatePointsAnnual Percentage RatePayment per $1,000Apply
30 Year Fixed Rate Conventional Mortgage
4.875%0.0004.929%$5.29
15 Year Fixed Rate Conventional Mortgage
4.375%0.0004.466%$7.59
10 Year Fixed Rate
4.375%0.0004.459%$10.30
Construction to Permanent
5.000%0.0005.142%$5.37
3/1 Adjustable Rate Mortgage
3.500%0.0005.061%$4.49
5/1 Adjustable Rate Mortgage
3.875%0.0004.945%$4.70
7/1 Adjustable Rate Mortgage
4.250%0.0004.947%$4.92
10/1 Adjustable Rate Mortgage
4.375%0.0004.854%$4.99
 

 With the exception of Jumbo Mortgages, these rates are valid for mortgages up to $453,100 for single family, owner-occupied homes. *APR may increase or decrease after consummation of loan.  Adjustable rates quoted are a variable rate and will change annually after the initial fixed period of 3, 5, 7 or 10 years.  The interest rate will be determined by adding the index to the margin.

  • Annual Percentage Rate (APR) is based on a $100,000 loan with a 20% downpayment.
  • A loan with less than 20% downpayment will require Private Mortgage Insurance ("PMI")
  • SIBT is an approved lender for CHFA, VA, FHA and Rural Development.
  • The above rates assume a first mortgage for a purchase or refinance transaction of a single family, owner occupied primary residence.
  • To calculate your principal and interest use the "payment per $1,000.00" in the rate chart above.

Rates and terms are subject to change. Rates and APRs may vary depending on the details such as points paid, loan amount, Loan to Value and owner occupancy.