Interest rates are subject to change at any time without advance notice.


Start Up Loan Interest Rates for First-time Homebuyers
Government Conventional
FHA / VA / RD* HFA Preferred™ (Fannie Mae)
HFA Advantage℠ (Freddie Mac)
Insured and Uninsured
HFA Preferred™
HFA Advantage℠
Upfront Paid MI
Insured
HFA Preferred Risk Sharing™
(Fannie Only)
Uninsured
1%
Origination Fee**
0%
Origination Fee**
1%
Origination Fee**
0%
Origination Fee**
1%
Origination Fee**
1%
Origination Fee**
Start Up
First Mortgage
4.250 % 4.375 % 4.750 % 4.875 % 5.125 % 5.250 %
Start Up
First Mortgage with
Deferred Payment Loan
4.250 % 4.375 % 4.750 % 4.875 % 5.125 % 5.250 %
Start Up
First Mortgage with
Monthly Payment Loan
4.250 % 4.375 % 4.750 % 4.875 % 5.125 % 5.250 %

Mortgage Credit Certificate (MCC) with First Mortgage Interest Rates for First-time Homebuyers
Government Conventional
FHA / VA / RD* HFA Preferred™ (Fannie Mae)
HFA Advantage℠ (Freddie Mac)
Insured and Uninsured
HFA Preferred™
HFA Advantage℠
Upfront Paid MI
Insured
HFA Preferred Risk Sharing™
(Fannie Only)
Uninsured
1%
Origination Fee**
0%
Origination Fee**
1%
Origination Fee**
0%
Origination Fee**
1%
Origination Fee**
1%
Origination Fee**
MCC with First Mortgage
15-Year Term
N/A N/A N/A N/A N/A N/A
MCC with First Mortgage
15-Year Term with
Monthly Payment Loan
N/A N/A N/A N/A N/A N/A
MCC with First Mortgage
30-Year Term
N/A N/A N/A N/A N/A N/A
MCC with First Mortgage
30-Year Term with
Monthly Payment Loan
N/A N/A N/A N/A N/A N/A

Step Up Loan Interest Rates for Repeat Homebuyers
Government Conventional
FHA / VA / RD* HFA Preferred™ (Fannie Mae)
HFA Advantage℠ (Freddie Mac)
Insured and Uninsured
HFA Preferred™
HFA Advantage℠
Upfront Paid MI
Insured
HFA Preferred Risk Sharing™
(Fannie Only)
Uninsured
1%
Origination Fee**
0%
Origination Fee**
1%
Origination Fee**
0%
Origination Fee**
1%
Origination Fee**
1%
Origination Fee**
Step Up
Purchase or Refinance First Mortgage
15-Year Term
3.875 % N/A N/A N/A N/A N/A
Step Up
Purchase or Refinance First Mortgage
15-Year Term with
Monthly Payment Loan
3.875 % N/A N/A N/A N/A N/A
Step Up
Purchase or Refinance First Mortgage
30-Year Term
4.250 % 4.375 % 4.750 % 4.875 % 5.125 % 5.250 %
Step Up
Purchase or Refinance First Mortgage
30-Year Term with
Monthly Payment Loan
4.250 % 4.375 % 4.750 % 4.875 % 5.125 % 5.250 %


Step Up Loan Lender Credit Refinance Interest Rates for Repeat Homebuyers
Government Conventional
FHA / VA / RD* HFA Preferred™ (Fannie Mae)
HFA Advantage℠ (Freddie Mac)
Insured and Uninsured
HFA Preferred™
HFA Advantage℠
Upfront Paid MI
Insured
HFA Preferred Risk Sharing™
(Fannie Only)
Uninsured
Step Up
Lender Credit Refinance First Mortgage
15-Year Term
4.250 % N/A N/A N/A
Step Up
Lender Credit Refinance First Mortgage
30-Year Term
4.375 % 5.125 % N/A 5.625 %



Fix Up Loan Interest Rates for Home Improvements
Unsecured
Rate
Subordinate Lien
Interest Rate
First-Lien
Interest Rate**
Fix Up Loan Secured N/A 5.990 % 4.250 %
Fix Up Loan Unsecured* 6.990 % N/A N/A
Community Fix Up Loan N/A 5.750 % 4.250 %
Energy Incentive Loan 4.990 % 4.990 % N/A
Accessibility Loan N/A 4.990 % 4.250 %