YourMortgage Rates
Residential Mortgages
Mortgage Loans
Effective Date: Sunday, October 26th, 2025
| Loan Name | Term | APR |
|---|---|---|
| Home Equity Loan | ||
1 Year Adjustable |
6.125% | |
| Fixed | up to 10 years | 6.125% |
| Home Equity Line of Credit | 5.000% | |
| Lot Mortgage | fixed up to 10 years | 7.000% |
Commercial Mortgages
1-4 Units, Fixed Rate
| Term | Rate | APR |
|---|---|---|
| 10 years | 6.62% | 6.62% |
| 12 years | 6.75% | 6.75% |
| 12 years (baloon loan with 15 yr amortization) | 6.87% | 6.87% |
1-4 Units, Adjustable Rate
12 year baloon loans with 30 year amortization. Rate cannot change more than 2% per year and 6% during the life of the loan; it will never go below the initial rate.
| Initial Fixed Interest Rate Period | Rate | APR |
|---|---|---|
| 1 year | 5.75% | 8.13% |
| 3 years | 5.75% | 8.50% |
| 5 years | 6.50% | 8.37% |
| 7 years | 5.75% | 8.28% |
5-8 Units, Fixed Rate
| Term | Rate | APR |
|---|---|---|
| 10 years | 6.75% | 6.75% |
| 12 years | 5.75% | 6.87% |
| 12 years (baloon loan with 15 year amortization) | 7.00% | 7.00% |
5-8 Units, Adjustable Rate
12 year baloon loans with 30 year amortization. Rate cannot change more than 2% per year and 6% during the life of the loan; it will never go below the initial rate.
| Initial Fixed Interest Rate Period | Rate | APR |
|---|---|---|
| 1 year | 5.87% | 8.04% |
| 3 years | 6.37% | 8.39% |
| 5 years | 5.75% | 8.31% |
| 7 years | 7.00% | 8.24% |
5-8 Units, Adjustable Rate
12 year baloon loans with 30 year amortization. Rate cannot change more than 2% per year and 6% during the life of the loan; it will never go below the initial rate.