Click here to print this page.

 

Mortgage Rates Effective as of: November 21, 2008

 

SPECIAL CONVENTIONAL MORTGAGE RATES - Owner Occupied - Loan amounts to $417,000
Rate - Points Term Program APR*
5.500% - 0 pts 5 Yrs 5/1 ARM 4.613%
5.500% - 0 pts 10 Yrs 10 Year Fixed 5.640%
5.750% - 0 pts 10 Yrs 10/30 Balloon 5.841%
*=Annual Percentage Rate (APR) is subject to change at the discretion of the Bank.
Maximum LTV/CLTV: Purchases 80%, Rate and term refinances 75%, Cash out refinances 70%.

Conventional - Owner Occupied - Loan amounts to $417,000
Rate - Points Term Program APR*
6.125% - 0 pts 30 Yrs Fixed 6.185%
6.125% - 0 pts 20 Yrs Fixed 6.205%
5.875% - 0 pts 15 Yrs Fixed 5.975%
5.875% - 0 pts 10 Yrs Fixed 6.016%
*=Annual Percentage Rate (APR) based on $150,000 loan amount, up to 80% loan to value. No PMI plus prepaid finance charges and 15 days interim interest. Loan amount up to $417,000.

SPECIAL JUMBO MORTGAGE RATES - Owner Occupied - Loan amounts >$417,000 to $800,000
Rate - Points Term Program APR*
6.000% - 0 pts 5 yrs 5/1 ARM 4.927%
6.000% - 0 pts 10 Yrs 10 Year Fixed 6.078%
6.000% - 0 pts 10 Yrs 10/30 Balloon 6.027%
*=Annual Percentage Rate (APR) is subject to change at the discretion of the Bank.
Maximum LTV/CLTV: Purchases 80%, Rate and term refinances 75%, Cash out refinances 70%.

JUMBO - Owner Occupied - Loan amounts > $417,000 - $800,000
Rate - Points Term Program APR*
6.875% - 0 pts 30 Yrs Fixed 6.894%
6.875% - 0 pts 20 Yrs Fixed 6.900%
6.625% - 0 pts 15 Yrs Fixed 6.656%
6.625% - 0 pts 10 Yrs Fixed 6.668%
*=Annual Percentage Rate (APR) based on $500,000 loan amount, up to 80% Loan to Value. No PMI plus prepaid finance charges and 15 day interim interest. For rates on Jumbo Loans over $800,000 call 1.888.LIB.BANK.

ADJUSTABLE RATE MORTGAGE RATES
Call 1.888.LIB.BANK (1.888.542.2265) for current adjustable mortgage rates.

**HOME EQUITY LINES OF CREDIT
PRIME RATE: 4.00% The Home Equity Line of Credit for loans UP TO $200,000.
1. Prime plus .250 = 4.250% with 5% cash back on interest paid annually for the first 5 years. Floor 4.000%, Ceiling 18.00%. Annual fee $50 and $395 Early Termination Fee in the first 3 years. During the 10 year amortization period, the rate is prime plus 1/2% (adjustable).
2. Prime minus 1.00% = 6.000% (currently a floor of 6.000% and ceiling of 19.250%). Annual fee $25 and $395 Early Termination Fee in the first 3 years. During the 10 year amortization period, the rate is prime plus 1/2% (adjustable).
Notes:
** Owner Occupied. 1-4 Family Residential Properties: 80% LTV Maximum. Liberty Bank will only accept HELOC appilcations if the first mortgage is held by Liberty Bank.
Call-888-LIB-BANK for more information.

**FIXED RATE EQUITY LOANS
INTEREST RATE TERM POINTS APR*
6.375% 3 Yr. Fixed 0.000 6.465%
6.625% 5 Yr. Fixed 0.000 6.717%
6.750% 7 Yr. Fixed 0.000 6.845%
6.875% 10 Yr. Fixed 0.000 6.971%
7.250% 15 Yr. Fixed 0.000 7.352%
7.250% 15/30 Balloon 0.000 7.355%
Notes:
*Annual Percentage Rate (APR) based on $10,000. **Owner Occupied.
1-4 Family Residential Properties: 80% LTV Maximum. Call 1-888-LIB-BANK for more information.

 

Back to top

 

as of: November 21, 2008

 

 

Back to top