Fixed-Rate Conforming Loans and Jumbo Loans

A fixed-rate home loan locks in a competitive fixed mortgage rate with predictable monthly payments.

Conforming 30 Year4.125%Interest Rate 4.131%APR 0.070%Points
FHA 30 Year3.850%Interest Rate 3.890%APR 0.487%Points

Advertised interest rates and APR assumes excellent credit score.
As of 04/18/2018 12:58:11 PM. Read Disclosures.

Get Prequalified


Automatic Monthly Mortgage Payments

Using an existing OWB or CIT account
Save even more and combine with one other mortgage rate pricing discount:
First Time Home Buyer
0.100% off
New Banking Relationshipwith 10% of Loan Amount in New Deposits
0.100% off
$500K+ Banking Relationshipwith $500,000+ in Deposits
0.200% off

Fixed-rate loans offer you security by allowing you to avoid the risks and uncertainty of fluctuating interest rates and increased loan payments. You can also choose your terms with a 10-, 15-, 20-, 25- or 30-year repayment plan.

If you currently have an adjustable rate mortgage (ARM), upcoming changes in the economy and future interest rate increases may make this a great time to lock in a fixed-rate. While rates remain at near historic lows, enjoy the advantages of a fixed-rate home loan.

To get started or to request more information regarding our fixed-rate options and rates, please call us at 1.866.659.8652. One of our experienced mortgage lending specialists will be happy to answer any questions you may have.

You can also click on Get Started below to request a call, or you can visit us at your local branch.

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Important Disclosures

It is important to know that with Adjustable-Rate Mortgages, your payment and rate may increase significantly over time.

Not all applicants will qualify for financing. Mortgage rates and terms are subject to change without notice.

Mortgages with LTVs higher than 80% with no PMI may generally have a higher interest rate and/or fees than other mortgages. This may result in a loan without mortgage insurance being more costly for a borrower who intends to remain in the property for a longer period of time. A borrower who intends to remain in the property for a shorter period of time may find that the extra interest cost is lower than the amount of PMI payments for that period of time.

Mortgage escrow accounts are created so that you can pay your yearly property taxes, homeowner’s insurance and mortgage insurance in monthly installments throughout the year, rather than all at once. When these bills are due, we disburse the funds from your escrow account to pay the taxes and insurance in a lump sum. If there is a requirement for a mortgage escrow account at closing, it will be required to be maintained for five (5) years after closing.

The rates displayed may require the establishment of an escrow account upon closing. If you choose to pay taxes and insurance separately, you will be responsible for timely payments, which may be substantial.

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