Home Loan Rates

Effective 12/10/2018

Product Term Rates as low as APR*
SNB Fixed Rate 12 Year Fixed 5.500% 5.878%
SNB Balloon Rate 62 Month Balloon 5.750% 6.065%
SNB Balloon Rate 7 Year Balloon 6.000% 6.317%
Conventional Market Rate 30 Year Fixed 5.000% 5.178%
Conventional Market Rate 20 Year Fixed 4.875% 5.116%
Conventional Market Rate 15 Year Fixed 4.625% 4.930%
FHA (Federal Housing Administration) 30 Year Fixed 4.750% 4.926%
USDA (US Department of Agriculture) 30 Year Fixed 4.625% 4.799%
VA (Veteran's Affairs) 30 Year Fixed 4.625% 4.799%

*APR = Annual Percentage Rate. All rates are "as low as" indicating the lowest possible rate. Subject to credit approval and other conditions. The rate and term will vary depending on the credit score. The APRs listed are based on a sample loan of $100,000 and a loan-to-value (LTV) ratio of 80%. The sample loan fees for home loans are $2,000. Rates are subject to change without notice.