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Loan Rates

Rates as of: 03/09/2010

Fixed Rate Mortgages  
Type Rate Points Annual Percentage Rate (APR)*
30 Year 4.500%* 2.625 4.842%*
30 Year 4.875% 0.375 5.023%
15 Year 3.875% 2.125 4.378%
15 Year 4.250% 0.500 4.513%
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*APRs are for first mortgages on owner occupied properties up to $417,000, with a minimum down payment of 4.500% is $5.07.  Rates are subject to change at any time and without notice due to frequent changes in the mortgage market. All mortgages are subject to a $360 application fee. Call our Lending Department at (267) 280-4000 for details on a wide variety of additional rates and terms, including adjustable rate (ARM) and Jumbo mortgages. The APR is calculated on a $180,000 loan with 15 days interest.
 
Pennsylvania Housing Finance Agency (PHFA)
First Time Home Buyer - Keystone Home Loan Program
Type Rate Points Annual Percentage Rate (APR)*
Existing Home 4.950%* 0.000 5.054%* Regular Program
New Construction 4.500% 0.000 4.601%   Regular Program
Existing Home 4.950% 0.000 5.054%    KHL+ Program**
New Construction 4.500% 0.000 4.601%    KHL+ Program**
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*APRs shown are for first mortgages on owner occupied properties with a 20% down payment. The monthly principal and interest payment per $1,000, for a 30 year mortgage with a rate of 4.950% is $5.34. **If applying for the KHL+ program, you may qualify for Closing Cost Assit.  Rates are subject to change at any time without notice due to frequent changes in the mortgage market. All mortgages are subject to a $360 application fee. Certain PHFA restrictions apply. Contact our Lending Department at (267) 280-4000 for complete details. The APR is calculated on a $100,000 loan with 15 days interest.
 
Fixed Rate Home Equity Loans
Type Up to 80% CLTV APR*
5 Year 5.49%*
7 Year 5.74%
10 Year 6.24%
15 Year 6.49%
20 Year 6.99%
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*APRs shown assume automatic payment from an HVB checking, savings or money market account. Add 0.50% without automatic payment and 0.25% for loans on second homes. The monthly principal and interest payment per $1,000 borrowed, for a 60 month home equity loan with an APR of 5.49%, is $19.10. Minimum loan amount is $7,500 to a maximum of $200,000 for first and second lien positions only. Contact our Lending Department at (267) 280-4000 for complete details.
 
Home Equity Lines of Credit
Up to 80% CLTV APR*
WSJ Prime - 0.25%
The Home Equity Line is a variable rate line of credit based on the Prime Rate, as published in the Wall Street Journal, incorporating the margins shown above, and subject to change. The minimum APR is 4.25% and the maximum APR is 18%. *APRs shown are effective as of the posted date, assume automatic payment from an HVB checking, savings or money market account. Add 0.25% without automatic payment and 0.25% for loans on second homes. Minimum line amount is $7,500 to a maximum of $100,000 for first and second lien positions only. Contact our Lending Department at (267) 280-4000 for complete details.
 
Personal Loans (Fixed Rate)
Type Rate Annual Percentage Rate (APR)*
24-36 Months 6.25%* 6.25%
37-60 Months 7.25%* 7.25%
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*APRs shown assume automatic payment from an HVB checking, savings or money market account. Add 0.50% without automatic payment. The monthly principal and interest payment per $1,000 borrowed, for a 60 month personal loan with an APR of 7.25%, is $19.92. Minimum loan amount is $2,500 to a maximum of $5,000. Contact our Lending Department at (267) 280-4000 for complete details.
 

 

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