Contact Information

- -

apply for a mortgage button
Current Interest Rates *, **
FIXED CONFORMING
PROGRAM RATES APR Pmt Per
$1,000
30 YR 3.250% 3.371% $4.35
15 YR 3.125% 3.341% $6.97
FIXED JUMBO
PROGRAM RATES APR Pmt Per
$1,000
30 YR 3.625% 3.753% $4.56
ARM
Click any ARM product for more information.
PROGRAM RATES APR Pmt Per
$1,000
10/1 3.500% 3.349% $4.49
7/1 3.250% 3.138% $4.35
5/1 2.990% 3.003% $4.21
3/1 2.990% 2.990% $4.21
Home Equity App
Current Interest Rates *, **
HOME EQUITY LINE OF CREDIT1
PROGRAM RATES APR Pmt Per
$1,000
20 YR 3.25% 3.25% $5.67
HOME EQUITY LOAN2
PROGRAM RATES APR Pmt Per
$1,000
10 YR 4.49% 4.49% $10.36
15 YR 4.49% 4.49% $7.64
20 YR 5.49% 5.49% $6.87
*Up to 80% Total Loan To Value.
Other rates and terms available.
Pmt Per $1,000 does not include taxes
and insurance if applicable.
The actual obligation will be greater
than payment shown.

Home Appraisals

Appraisal Basics
An appraisal of real estate is the valuation of the rights of ownership. The appraiser must define the rights he intends to appraise.

Appraisal Methods
An appraisal is an opinion of value or the act or process of estimating value. This opinion or estimate is derived by using three common approaches, all derived from the market.

Appraisal Needed to Obtain a Loan
Usually, individuals applying for a loan are only interested in obtaining the loan and unfortunately are not worried about the prudence of buying the property at the agreed price.

Your Home's Market Value
In the real world, very few individuals order appraisal reports to establish an offering price or to substantiate a purchase price.

Helping the Appraiser
Once you have selected an appraiser, be prepared to answer questions and provide requested information.

Other Reasons to Order an Appraisal
There are many reasons to obtain an appraisal. The most common reason is for a real estate or mortgage transaction, but we have compiled a list of other reasons to order an appraisal.