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Featured Home Mortgage Rates

Rates as of

Conforming Fixed Rate Loans

Loans Up To $453,100 60 Day Rate Lock

     RatePoints   APR*
30 Year Fixed 4.625% 0 4.702%
20 Year Fixed 4.500% 0 4.604%
15 Year Fixed 4.125% 0 4.254%

Jumbo fixed rate loans also available.
Call for current rates and details.

Adjustable Rate Loans

Loan Rates up to $650,000 90 Day Rate Lock

     RatePoints   APR*
7/1 Arm - 30 Year Term 4.250% 0 4.78%
5/1 Arm - 30 Year Term 4.000% 0 4.79%
3/1 Arm - 30 Year Term 3.875% 0 4.90%

First Personal Bank® also offers financing for jumbo loans, commercial and mixed-use property as well as multi-family investment loans. Call one of our mortgage consultants for further details.

*Rates, points and programs are subject to change without notice and cannot be guaranteed until a complete application has been made and fees have been received. The Interest Rate on Adjustable Rate loans may increase over the life of the loan.Rates and Annual Percentage Rates (APRs) are based on loan amounts of $150,000, and loan terms which do not exceed 80% of the property's sales price or appraised value, whichever is less. Rates may increase after initial period.

Home Equity Line of Credit

80% CLTV - 10 YR Term
       Rate   APR*
For lines $5,000.00 and over Prime less 0.25% 4.75% 4.75%

*The Annual Percentage Rate (APR) on First Personal Bank's Home Equity Line of Credit is tied to the Prime Rate. The Prime Rate is published in the "Money Rates" section of The Wall Street Journal. The margin is the Prime Rate less 0.25%.  In no event will the interest rate on this loan be less than 4.00%. On 6/14/18, Prime was 5.00% and the APR on First Personal Bank's Home Equity Line of Credit  is 4.75%. Prime is a variable rate; as it changes, the APR on your account will change. The maximum APR is 21%. A balloon payment will result at the end of the ten-year draw period. The Home Equity Line is limited to owner-occupied, 1-4 family principal residences and must be secured by no less than a second lien position on your property. You must carry insurance on the property that secures this loan. Flood insurance required if necessary. There is a $50.00 annual fee after the first year. Consult your tax advisor concerning the deductibility of interest. Closing costs paid by First Personal Bank are limited to: appraisal, credit report, title insurance, flood certification and certain recording fees. The APR is subject to change without notice. If credit line is closed within first year a $200 cancellation fee plus the amount of closing costs will be charged.

NMLS #225557

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