Mortgage Rates
Current Mortgage Rates
Current Fixed Mortgage Rates
Program
Program
Rate
Rate
Points
Points
APR
APR
P&I
P&I
15-yr Fixed Rate¹
5.250%
2.500
5.79%
$8.03 per $1,000 borrowed for 180 Monthly Payments
Interest rates updated as of 07/07/2025
30-yr Fixed Rate¹
6.250%
2.375
6.58%
$6.16 per $1,000 borrowed for 360 Monthly Payments
Interest rates updated as of 07/07/2025
1 Annual Percentage Rate (APR) and monthly principal and interest payments are calculated based on owner-occupancy, 20% down payment, the respective rate, related fees, and associated expenses. The rates and fees quoted are subject to change at any time and are based on a 45-day lock period. 30-day and 60-day lock pricing are also available to fit your lending needs. Applicable add-ons apply. Subject to credit approval. Other rates and terms available. Payments do not include amounts for taxes and insurance premiums, if applicable, and actual payment obligation may be greater. Not available through mortgage originator companies. For real properties located in the State of Hawaii and Guam only.
Program
Program
Rate
Rate
Points
Points
APR
APR
P&I
P&I
15-yr Fixed Rate¹
5.250%
2.500
5.79%
$8.03 per $1,000 borrowed for 180 Monthly Payments
Interest rates updated as of 07/07/2025
30-yr Fixed Rate¹
6.250%
2.375
6.58%
$6.16 per $1,000 borrowed for 360 Monthly Payments
Interest rates updated as of 07/07/2025
1 Annual Percentage Rate (APR) and monthly principal and interest payments are calculated based on owner-occupancy, 20% down payment, the respective rate, related fees, and associated expenses. The rates and fees quoted are subject to change at any time and are based on a 45-day lock period. 30-day and 60-day lock pricing are also available to fit your lending needs. Applicable add-ons apply. Subject to credit approval. Other rates and terms available. Payments do not include amounts for taxes and insurance premiums, if applicable, and actual payment obligation may be greater. Not available through mortgage originator companies. For real properties located in the State of Hawaii and Guam only.
Program
Program
Rate
Rate
Points
Points
APR
APR
P&I
P&I
15-yr Fixed Rate¹
7.000%
1.000
7.33%
$8.99 per $1,000 borrowed for 180 Monthly Payments
Interest rates updated as of 07/07/2025
30-yr Fixed Rate¹
8.000%
1.000
8.22%
$7.34 per $1,000 borrowed for 360 Monthly Payments
Interest rates updated as of 07/07/2025
1 Annual Percentage Rate (APR) and monthly principal and interest payments are calculated based on owner-occupancy, 30% down payment, the respective rate, related fees, and associated expenses. The rates and fees quoted are subject to change at any time and are based on a 45-day lock period. 30-day and 60-day lock pricing are also available to fit your lending needs. Applicable add-ons apply. Subject to credit approval. Other rates and terms available. Payments do not include amounts for taxes and insurance premiums, if applicable, and actual payment obligation may be greater. Not available through mortgage originator companies. For real properties located in Saipan only.
Current ARM Mortgage Rates
Program
Program
Rate
Rate
Points
Points
APR
APR
P&I
P&I
3-yr ARM²
5.500%
1.875
6.98%
$5.68 per $1,000 borrowed for First 36 Monthly Payments
Interest rates updated as of 07/07/2025
5-yr ARM²
5.625%
1.875
6.80%
$5.76 per $1,000 borrowed for First 60 Monthly Payments
Interest rates updated as of 07/07/2025
7-yr ARM²
5.750%
1.875
6.85%
$5.84 per $1,000 borrowed for First 84 Monthly Payments
Interest rates updated as of 07/07/2025
10-yr ARM²
5.875%
1.875
6.57%
$5.92 per $1,000 borrowed for First 120 Monthly Payment
Interest rates updated as of 07/07/2025
Adjustable Rate Mortgages (ARMs) adjust after the initial fixed rate period and your interest rate can increase or decrease every 6 months according to the current index. Adjustments for the 3, 5, 7, and 10 year Adjustable Rate Mortgages (ARMs) is based on the 30 Day Average of the Secured Overnight Financing Rate as published by the Federal Reserve Bank of New York, plus a margin of 2.75% for owner-occupant, 3.25% for investors.
2 Annual Percentage Rate (APR) and monthly principal and interest payments are calculated based on owner-occupancy, 20% down payment, the respective rate, related fees, and associated expenses. The rates and fees quoted are subject to change at any time and are based on a 45-day lock period. 30-day and 60-day lock pricing are also available to fit your lending needs. Applicable add-ons apply. Subject to credit approval. Other rates and terms available. Payments do not include amounts for taxes and insurance premiums, if applicable, and actual payment obligation may be greater. Not available through mortgage originator companies. For real properties located in the State of Hawaii and Guam only.
Program
Program
Rate
Rate
Points
Points
APR
APR
P&I
P&I
3-yr ARM²
5.500%
1.875
6.98%
$5.68 per $1,000 borrowed for First 36 Monthly Payments
Interest rates updated as of 07/07/2025
5-yr ARM²
5.625%
1.875
6.80%
$5.76 per $1,000 borrowed for First 60 Monthly Payments
Interest rates updated as of 07/07/2025
7-yr ARM²
5.750%
1.875
6.85%
$5.84 per $1,000 borrowed for First 84 Monthly Payments
Interest rates updated as of 07/07/2025
10-yr ARM²
5.875%
1.875
6.57%
$5.92 per $1,000 borrowed for First 120 Monthly Payment
Interest rates updated as of 07/07/2025
Adjustable Rate Mortgages (ARMs) adjust after the initial fixed rate period and your interest rate can increase or decrease every 6 months according to the current index. Adjustments for the 3, 5, 7, and 10 year Adjustable Rate Mortgages (ARMs) is based on the 30 Day Average of the Secured Overnight Financing Rate as published by the Federal Reserve Bank of New York, plus a margin of 2.75% for owner-occupant, 3.25% for investors.
2 Annual Percentage Rate (APR) and monthly principal and interest payments are calculated based on owner-occupancy, 20% down payment, the respective rate, related fees, and associated expenses. The rates and fees quoted are subject to change at any time and are based on a 45-day lock period. 30-day and 60-day lock pricing are also available to fit your lending needs. Applicable add-ons apply. Subject to credit approval. Other rates and terms available. Payments do not include amounts for taxes and insurance premiums, if applicable, and actual payment obligation may be greater. Not available through mortgage originator companies. For real properties located in the State of Hawaii and Guam only.
Program
Program
Rate
Rate
Points
Points
APR
APR
P&I
P&I
3-yr ARM²
6.375%
1.500
7.18%
$6.24 per $1,000 borrowed for First 36 Monthly Payments
Interest rates updated as of 07/07/2025
Adjustable Rate Mortgages (ARMs) adjust after the initial fixed rate period and your interest rate can increase or decrease every 6 months according to the current index. Adjustments for the 3, 5, 7, and 10 year Adjustable Rate Mortgages (ARMs) is based on the 30 Day Average of the Secured Overnight Financing Rate as published by the Federal Reserve Bank of New York, plus a margin of 2.75% for owner-occupant, 3.25% for investors.
2 Annual Percentage Rate (APR) and monthly principal and interest payments are calculated based on owner-occupancy, 30% down payment, the respective rate, related fees, and associated expenses. The rates and fees quoted are subject to change at any time and are based on a 45-day lock period. 30-day and 60-day lock pricing are also available to fit your lending needs. Applicable add-ons apply. Subject to credit approval. Other rates and terms available. Payments do not include amounts for taxes and insurance premiums, if applicable, and actual payment obligation may be greater. Not available through mortgage originator companies. For real properties located in Saipan only.
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