**APR is accurate as of January 16****, 2020**

## Conventional Rates

Type | Rate | APR * | Monthly P&I ** |
---|---|---|---|

30 year fixed | 3.625% | 3.707% | $820.89 |

20 year fixed | 3.375% | 3.488% | $1032.40 |

15 year fixed | 3.000% | 3.091% | $1243.05 |

* Annual Percentage Rate (APR) assumes a 20% down payment on a loan amount of $180,000 at the stated term, in years, with a 1% origination fee. If the down payment is less than 20%, mortgage insurance may be needed which could increase the payment and APR. Annual Percentage Rate is subject to change.

** Monthly P&I represents the monthly principal and interest payment based on loan amount of $180,000 at the stated rate and term.

## Rate Reduction Programs

Interest rate reduction for low income borrowers | Up to 1% off above rates for qualified borrowers. |

Energy efficiency rate reduction | Up to .5% off above rates for qualified borrowers. |