Personal Banking

Record Low Residential Real Estate Loan Rates !!

Residential real estate mortgage rates valid as of Monday December 15, 2014

Rates are subject to change without notice

30 Year Mortgage
Rate  3.75%
APR   3.833%

20 Year Mortgage
Rate   3.50%
APR  3.615%

15 Year Mortgage
Rate 2.875%
APR    2.985%

10 Year Mortgage
Rate   2.875%
APR    3.035%

Payments
30 yrs.   $463.12
20 yrs.   $579.96
15 yrs.   $684.59
10 yrs.   $959.85

$100,000 Loan size

Assumptions

  • 740 or higher median credit score
  • 80% loan to value
  • Owner occupied existing residence
  • Purchase transaction
  • Rate lock period 60 days

Our rates and APRs assume a conventional loan for the purpose of purchasing a single-family home to be used as a primary residence, that the loan amount to property value ratio (LTV) is 80%, that the rate lock period is 60 days, and that the property is within Sangamon County, Illinois.  Rates and APRs may vary based on several factors, including credit score, loan purpose, and LTV.

Loan request are subject to approval