| Mortgage Program | Rate | APR | Payment (Per $1000) |
|---|---|---|---|
| 30 Year Fixed FTHB (Conforming)** | 6.625% | 6.668% | $6.40 |
| 30 Year Fixed 0 Point (Conforming) | 7.000% | 7.076% | $6.65 |
| 30 Year Fixed 1 Point (Conforming) | 6.625% | 6.796% | $6.40 |
| 20 Year Fixed 0 Point (Conforming) | 7.000% | 7.099% | $7.75 |
| 20 Year Fixed 1 Point (Conforming) | 6.625% | 6.850% | $7.52 |
| 15 Year Fixed 0 Point (Conforming) | 6.875% | 6.997% | $8.91 |
| 15 Year Fixed 1 Point (Conforming) | 6.250% | 6.526% | $8.57 |
| 30 Year Fixed 0 Point (Jumbo) | 7.125% | 7.161% | $6.73 |
| 30 Year Fixed 1 Point (Jumbo) | 6.750% | 6.882% | $6.48 |
| 20 Year Fixed 0 Point (Jumbo) | 7.125% | 7.172% | $7.82 |
| 20 Year Fixed 1 Point (Jumbo) | 6.750% | 6.923% | $7.60 |
| 15 Year Fixed 0 Point (Jumbo) | 7.000% | 7.057% | $8.98 |
| 15 Year Fixed 1 Point (Jumbo) | 6.375% | 6.586% | $8.64 |
| Mortgage Program | Rate | APR | Payment (Per $1000) |
|---|---|---|---|
| 5/1 ARM (Conforming) | 6.375% | 6.820% | $6.23 |
| 5/1 ARM (Jumbo) | 6.375% | 6.780% | $6.23 |
| Mortgage Program | Rate | APR | Payment (Per $1000) |
|---|---|---|---|
| 30 Year Fixed 0 Point (Conforming) | 7.000% | 7.076% | $6.65 |
| 30 Year Fixed 1 Point (Conforming) | 6.625% | 6.796% | $6.40 |
| 20 Year Fixed 0 Point (Conforming) | 7.000% | 7.099% | $7.52 |
| 20 Year Fixed 1 Point (Conforming) | 6.625% | 6.850% | $7.52 |
| 15 Year Fixed 0 Point (Conforming) | 6.875% | 6.997% | $8.91 |
| 15 Year Fixed 1 Point (Conforming) | 6.250% | 6.526% | $8.57 |
| 30 Year Fixed 0 Point (Jumbo) | 7.125% | 7.161% | $6.73 |
| 30 Year Fixed 1 Point (Jumbo) | 6.750% | 6.882% | $6.48 |
| 20 Year Fixed 0 Point (Jumbo) | 7.125% | 7.172% | $7.82 |
| 20 Year Fixed 1 Point (Jumbo) | 6.750% | 6.923% | $7.60 |
| 15 Year Fixed 0 Point (Jumbo) | 7.000% | 7.057% | $8.98 |
| 15 Year Fixed 1 Point (Jumbo) | 6.375% | 6.586% | $8.64 |
| Mortgage Program | Rate | APR | Payment (Per $1000) |
|---|---|---|---|
| 5/1 ARM (Conforming) | 6.375% | 6.820% | $6.23 |
| 5/1 ARM (Jumbo) | 6.375% | 6.780% | $6.23 |
Fixed Rate - CONFORMING AND FTHB
Annual Percentage Rate (APR) subject to change without notice. APR assumes a loan amount of $100,000 for an owner occupied, down payment of 20%, no cash out refinance or purchase with an 80% LTV or better. Property value is equal to the lesser of the purchase price or appraised value. Private mortgage insurance required on loan-to-value over 80%. Homeowners insurance is required. Flood insurance may be required. Payments do not include taxes and insurance premiums. Actual loan payments may be higher.
*First Time Home Buyer: Income restrictions apply. Contact Coastal Heritage Bank for more information.
Adjustable Rate Mortgage - CONFORMING
Annual Percentage Rate (APR) subject to change without notice. APR assumes a loan amount of $100,000 for an owner occupied, down payment of 20%, no cash out refinance or purchase with an 80% LTV or better. Property value is equal to the lesser of the purchase price or appraised value. Private mortgage insurance required on loan-to-value over 80%. Homeowners insurance is required. Flood insurance may be required. Payments do not include taxes and insurance premiums. Actual loan payments may be higher.
A 5/1 ARM means your rate will be fixed for the initial 5-year period. After that, it will adjust up or down every 12 months for the remainder of the 30-year term; each adjustment will not be more than 2.00%; the rate will never exceed 5.00% above the initial rate. Please contact one of our Loan Officers for additional information.
Fixed Rate - JUMBO
Annual Percentage Rate (APR) subject to change without notice. APR assumes a loan amount of $850,000 for an owner occupied, down payment of 20%, no cash out refinance or purchase with an 80% LTV or better. Property value is equal to the lesser of the purchase price or appraised value. Private mortgage insurance required on loan-to-value over 80%. Homeowners insurance is required. Flood insurance may be required. Payments do not include taxes and insurance premiums. Actual loan payments may be higher.
Adjustable Rate Mortgage - JUMBO
Annual Percentage Rate (APR) subject to change without notice. APR assumes a loan amount of $850,000 for an owner occupied, down payment of 20%, no cash out refinance or purchase with an 80% LTV or better. Property value is equal to the lesser of the purchase price or appraised value. Private mortgage insurance required on loan-to-value over 80%. Homeowners insurance is required. Flood insurance may be required. Payments do not include taxes and insurance premiums. Actual loan payments may be higher.
A 5/1 ARM means your rate will be fixed for the initial 5-year period. After that, it will adjust up or down every 12 months for the remainder of the 30-year term; each adjustment will not be more than 2.00%; the rate will never exceed 5.00% above the initial rate. Please contact one of our Loan Officers for additional information.
ALL MORTGAGE PROGRAMS ARE SUBJECT TO CREDIT APPROVAL
Rates last updated on 11/4/2026