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Interest rates and loan terms examples
| Country Home Loans | ||
|---|---|---|
| FIXED RATE | FIXED-TO-ADJUSTABLE | |
| LOAN TERM AND TYPE | 30 years, fixed | 30 years, 15/1 fixed-to-adjustable |
| PURCHASE PRICE/ APPRAISED VALUE | $500,000 | $500,000 |
| INTEREST RATE | 5.10% | 3.60% for first fifteen years; An index plus a margin in years 16-30 Example: index of 0.375%, margin of 2.90% † |
| DOWN PAYMENT | $250,000 | $250,000 |
| LOAN AMOUNT | $250,000 | $250,000 |
| LOAN ORIGINATION FEE | $2,500 | $2,500 |
| APR | 5.238% | 3.651%* |
| PAYMENT | $1,357.37 | $1136.61/month for the first 15 years; $1083/month in years 16-30‡ |
| PAYMENT SAVINGS | $220.76/month, $39,736.80 in the first 15 years; | Payment amount may change beginning in year 16 |
†Index and typical margin as of January 2022
‡Based on index and typical margin as of January 2022
⁎The Annual Percentage Rate is subject to increase after consummation
| Country Lot Loan | ||
|---|---|---|
| FIXED RATE | FIXED-TO-ADJUSTABLE | |
| LOAN TERM AND TYPE | 10 years, fixed | 10 years, 7/1 fixed-to-adjustable |
| PURCHASE PRICE/ APPRAISED VALUE | $500,000 | $500,000 |
| INTEREST RATE | 5.45% | 5.25% for first seven years; An index plus a margin in years 8-30 Example: index of 0.375%, margin of 2.90% † |
| DOWN PAYMENT | $250,000 | $250,000 |
| LOAN AMOUNT | $250,000 | $250,000 |
| LOAN ORIGINATION FEE | $3,750 | $3,750 |
| APR | 5.7772% | 5.158%* |
| PAYMENT | $1712.67/month; $159,884.07 balloon payment at end of year 10 | $1684.61/month for the first 7 years; $153,883 balloon payment at end of year 10 |
| PAYMENT SAVINGS | $28.06/month, $2357.04 total in the first 7 years; | Payment amount may change beginning in year 8 |
†Index and typical margin as of January 2022
‡Based on index and typical margin as of January 2022
*The Annual Percentage Rate is subject to increase after consummation
| Country Home Construction Loans | ||
|---|---|---|
| FIXED RATE | FIXED-TO-ADJUSTABLE | |
| LOAN TERM AND TYPE | 30 years, fixed | 30 years, 15/1 fixed-to-adjustable |
| PURCHASE PRICE/ APPRAISED VALUE | $500,000 | $500,000 |
| INTEREST RATE | 5.20% | 3.70% for first fifteen years; An index plus a margin in years 16-30 Example: index of 0.375%, margin of 2.90% † |
| DOWN PAYMENT | $250,000 | $250,000 |
| LOAN AMOUNT | $250,000 | $250,000 |
| LOAN ORIGINATION FEES** | $4,000 | $4,000 |
| APR | 5.378% | 3.769%* |
| PAYMENT | $612.00/month for first 9 months; $1386.81/month beginning in month 10; | $431/month, interest only for the first 9 months; $1104/month in years 16-30 ‡ |
| PAYMENT SAVINGS | $181/month, $1629 in first nine months; $222.81/month, $37,877.70 months 10-180; $39,506.70 total in the first 15 years; | Payment amount may change beginning in year 16 |
†Index and typical margin as of January 2022
‡Based on index and typical margin as of January 2022
*The Annual Percentage Rate is subject to increase after consummation
**Loan Origination Fees include Loan Origination Fee of $2500 and Construction Management Fee of $1500
Disclaimers
- The annual percentage rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.
- If you are a service member on active duty, prior to seeking a refinance of your existing mortgage loan, please consult with your legal advisor regarding the relief you may be eligible for under the Servicemembers Civil Relief Act or applicable state law.
- All interest rates and annual percentage rates (APRs) are accurate as of January 2022 and are subject to change without notice. In order to lock a rate, an application must be submitted, and a rate lock request processed with a relationship manager. Other rates and fees may apply as determined by the borrower’s creditworthiness and the subject property’s characteristics.
- Rates may be higher than the advertised rate depending on loan terms and credit qualifications. ARM rates are subject to change after loan closing.
- Property insurance is required, and flood insurance may be required.
- Estimated monthly payments are based on an example loan amount, an applicant credit score, an interest rate that was available at the time of publication and loan origination fee disclosed in each example. Monthly payments do not include amounts for taxes and insurance. If flood insurance is required, an escrow account will be required.
- All loans are subject to approval. Home Loan and Lot Loan programs, terms and conditions subject to change without notice. Loan assumptions are not offered on these products.
All loan actions are subject to program availability. Certain conditions and restrictions may apply. NMLS #543727
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