Refinance Loan Rates
Home Mortgages (1)
If you are thinking about refinancing your current home, please contact us at 215-675-4424 and let us know how we may be of assistance:
Rates Effective December 21, 2024
10 Year Term
| Interest Rate | APR (2) | Points | Monthly Payment (3) |
|---|---|---|---|
| 5.375% | 5.919% | 2 | $10.79 |
| 5.625% | 5.951% | 1 | $10.92 |
| 5.875% | 5.983% | 0 | $11.04 |
15 Year Term
| Interest Rate | APR (2) | Points | Monthly Payment (4) |
|---|---|---|---|
| 5.375% | 5.757% | 2 | $8.11 |
| 5.625% | 5.854% | 1 | $8.24 |
| 5.875% | 5.951% | 0 | $8.37 |
20 Year Term
| Interest Rate | APR (2) | Points | Monthly Payment (5) |
|---|---|---|---|
| 5.625% | 5.933% | 2 | $6.95 |
| 5.875% | 6.061% | 1 | $7.09 |
| 6.125% | 6.189% | 0 | $7.24 |
30 Year Term
| Interest Rate | APR (2) | Points | Monthly Payment (6) |
|---|---|---|---|
| 5.875% | 6.110% | 2 | $5.92 |
| 6.125% | 6.269% | 1 | $6.08 |
| 6.375% | 6.426% | 0 | $6.24 |
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(1) First lien, owner-occupied, refinance transactions only. Homeowners insurance required. Loans up to $766,550.00. A maximum Loan to Value Ratio (LTV) of 95% is required. An escrow account is required for all mortgage loans with a LTV of over 75%. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and insurance premiums. Private Mortgage Insurance (PMI) is required on all mortgage loans with an LTV over 80%. Borrower is responsible for all non-bank fees, including its portion of transfer taxes, title insurance and recording fees. Jumbo Loans up to $2.0 million are also available, subject to other rates and terms. Other conditions may apply. Subject to credit approval, income verification and collateral valuation. Offer subject to change without notice.
(2) Annual Percentage Rate (APR) as of the effective date. APR based upon a principal loan amount of $100,000 with a 20% down payment.
(3) The monthly payment is the cost of $1,000 borrowed over 120 monthly payments at the disclosed interest rate. Loan payments do not include taxes and insurance, if applicable.
(4) The monthly payment is the cost of $1,000 borrowed over 180 monthly payments at the disclosed interest rate. Loan payments do not include taxes and insurance, if applicable.
(5) The monthly payment is the cost of $1,000 borrowed over 240 monthly payments at the disclosed interest rate. Loan payments do not include taxes and insurance, if applicable.
(6) The monthly payment is the cost of $1,000 borrowed over 360 monthly payments at the disclosed interest rate. Loan payments do not include taxes and insurance, if applicable.
For more information about refinancing your current home, please call Tim Nogowski in our Lending Office at 215.675.4424.
| Loan Officer |
|---|
| Tim Nogowski |
| tnogowski@hatborofed.com |
| NMLS # 73964 |
