Rates & Calculators

Our loan calculator helps you determine your monthly payment based on the amount of your loan, so you can get an idea if it is within your budget. If you struggle like most with “doing the math” don’t worry, we’ve got you covered. We made our rates and calculators easy for you by providing all the information you need to do your calculations on one page. If you’re unfamiliar with a Loan Program in particular, no worries, we provide you with all the information needed to stay informed throughout your decision-making.

What Can I Afford?

This calculator will help you determine a monthly payment or loan amount, based off the mortgage rate tables shown below. Leave the field blank for the variable you are calculating, and then, press the corresponding button for the calculation you would like.

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Mortgage Rates

Program Conforming Rate Term Points Monthly Payment/$10,000* APR(based on $200,000, 20% down) Minimum Down Time Initial Rate is Fixed Adjustment after Initial Period First Adjusted Interest Rate Max Lifetime Cap
30 Yr. Fixed Rate 3.625% 30 Yr. 2.000 $45.61 3.822% 5% n/a n/a n/a n/a
30 Yr. Fixed Rate 4.000% 30 Yr. 0.000 $47.74 4.033% 5% n/a n/a n/a n/a
15 Yr. Fixed Rate 2.875% 15 Yr. 1.500 $68.46 3.150% 5% n/a n/a n/a n/a
15 Yr. Fixed Rate 3.250% 15 Yr. 0.000 $70.27 3.307% 5% n/a n/a n/a n/a
3/1 ARM** 3.125% 30 Yr. 1.000 $42.84 3.917% 5% 3 Yrs. 1 Yr. 4.000% 9.125%
5/1 ARM** 2.990% 30 Yr. 0.000 $42.11 3.676% 5% 5 Yrs. 1 Yr. 4.000% 7.990%
7/1 ARM** 3.750% 30 Yr. 1.000 $46.31 3.997% 5% 7 Yrs. 1 Yr. 4.000% 8.750%

 

Program Jumbo Rate Term Points Monthly Payment/$10,000* APR(based on $750,000, 20% down) Minimum Down Time Initial Rate is Fixed Adjustment after Initial Period First Adjusted Interest Rate Max Lifetime Cap
30 Yr. Fixed Rate 4.000% 30 Yr. 1.000 $47.74 4.092% 20% n/a n/a n/a n/a
15 Yr. Fixed Rate 3.875% 15 Yr. 0.000 $73.34 3.890% 10% n/a n/a n/a n/a
3/1 ARM** 3.375% 30 Yr. 0.000 $44.21 3.867% 10% 3 Yrs. 1 Yr. 4.000% 9.375%
5/1 ARM** 2.990% 30 Yr. 0.000 $42.11 3.653% 10% 5 Yrs. 1 Yr. 4.000% 7.990%
7/1 ARM** 4.000% 30 Yr. 0.000 $47.74 4.009% 10% 7 Yrs. 1 Yr. 4.000% 9.000%

1APR= Annual Percentage Rate; Effective August 21, 2017 and subject to change without notice. The featured interest rates and APRs are based on a loan amount of $200,000 for conforming and $750,000 for jumbo, with a 60 day rate lock period, a minimum credit score of 740 and Loan to Value (LTV) ratio of 80% to purchase a 1 unit owner occupied, single family dwelling. Rates are subject to change without notice. Rates, points and APR will vary based on loan amount, credit score, lock period, LTV, property type, loan type and loan purpose. Loans with LTV ratios above 80% may have higher APRs and will require Private Mortgage Insurance (PMI). Homeowner insurance required. Flood insurance may be required. Fees could range from $500 to $1,500 and include a credit report, appraisal, lien search, flood search, recording and satisfaction fees. Subject to credit approval.  *Any projected payments do not include amounts for taxes and insurance premiums; if applicable, the actual payment obligation will be greater.  **ARM =Adjustable Rate Mortgage; The APR, interest rate and principal and interest payment for ARM loans are subject to increase and will change after the initial period due to market-driven changes to the index. The ARM rate index is the London Interbank Offered Rate (LIBOR). Ephrata National Bank, Member FDIC. Equal Housing Lender.

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