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Rates2018-10-17T05:47:18+00:00

RESIDENTIAL LOAN PRODUCTS & RATES

Mortgage Products and Rates current as of 10-17-2018

The annual percentage rate (“APR”) calculations are based on typical prepaid finance charges for a $100,000 loan and actual charges may vary based on the loan terms.
All residential mortgage loans are subject to underwriting standards and credit approval.  Rates, terms, and programs are subject to change without notice.  The information contained herein should not be construed as a commitment to lend.

  Residential: 1-4 Family, Condo, TownhouseAPRInterest Rate
- Purchase or Refinance
- Primary Residence/Second or Vacation Home
- Loans up to $1,500,000
5/1/30 Adjustable Rate Mortgage14.114%4.000%
7/1/30 Adjustable Rate Mortgage14.368%4.250%
10/1/30 Adjustable Rate Mortgage14.748%4.625%
15 Year Fixed4.713%4.500%
20 Year Fixed5.048%4.875%
30 Year Fixed5.002%4.875%
 Home Equity Fixed Term & Home Equity Line of Credit (HELOC)APRInterest Rate
- Primary Residence
- Loans Up To $1,000,000 available
Home Equity Term Loan – Fixed – 5 Yrs4.753%4.500%
Home Equity Term Loan – Fixed – 7 Yrs4.813%4.625%
Home Equity Term Loan – Fixed – 10 Yrs4.888%4.750%
Home Equity Term Loan – Fixed – 15 Yrs4.973%4.875%
Home Equity Term Loan – Fixed – 20 Yrs5.079%5.000%
Home Equity Line of Credit (variable rate3)5.759%5.750%
 Second or Vacation Home
- Loans up to $250,000 available
Home Equity Term Loan – Fixed – 5 Yrs5.272%5.000%
Home Equity Term Loan – Fixed – 7 Yrs5.327%5.125%
Home Equity Term Loan – Fixed – 10 Yrs5.398%5.250%
Home Equity Term Loan – Fixed – 15 Yrs5.481%5.375%
Home Equity Term Loan – Fixed – 20 Yrs5.586%5.500%
Home Equity Line of Credit (variable rate3)6.259%6.250%
 CO-OP: Currently Servicing The Edgewater Colony2APRInterest Rate
- Purchase or Refinance
- Primary Residence ONLY
- Loans up to $1,500,000
5/1/30 Adjustable Rate Mortgage14.875%4.750%
7/1/30 Adjustable Rate Mortgage15.129%5.000%
10/1/30 Adjustable Rate Mortgage15.509%5.375%
15 Year Fixed4.967%4.750%
20 Year Fixed5.302%5.125%
30 Year Fixed5.509%5.375%
 CO-OP Home Equity Fixed Term & Home Equity Line of Credit (HELOC)2APRInterest Rate
- Primary Residence ONLY
- Loans Up To $1,000,000 available
Home Equity Term Loan – Fixed – 5 Yrs5.165%4.500%
Home Equity Term Loan – Fixed – 7 Yrs5.114%4.625%
Home Equity Term Loan – Fixed – 10 Yrs5.105%4.750%
Home Equity Term Loan – Fixed – 15 Yrs5.125%4.875%
Home Equity Term Loan – Fixed – 20 Yrs5.199%5.000%
Home Equity Line of Credit (variable rate3)5.759%5.750%

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1 Adjustable-rate mortgage (ARM) loans are based on the Treasury Note Rate Constant Maturity weekly average.The 5/1 ARM is based on the 3 Year, 7/1 ARM is based on the 5 Year and 10/1 ARM is based on the 10 Year, weekly averages.  All may increase after consummation. Rates are set at the time of Commitment and not an application.
2 Co-op loans are limited to Mariner’s Bank pre-approved Co-op complexes.
3 Variable rates may increase after consummation. Maximum APR 18%.

Payment examples are based on a loan amount of $100,000 based on the term and rate displayed

Residential Mortgage    
15 Year Fixed Rate 1-4 Family180 Payments of$770.41@4.500%
15 Year Fixed Rate CO-OP180 Payments of$783.42@4.750%
20 Year Fixed Rate 1-4 Family240 Payments of$657.80@4.875%
20 Year Fixed Rate CO-OP240 Payments of$671.78@5.125%
30 Year Fixed Rate 1-4 Family360 Payments of$533.04@4.875%
30 Year Fixed Rate CO-OP360 Payments of$564.14@5.375%
Home Equity Fixed Term
Primary Residence
5 Year Fixed Rate60 Payments of$1,870.05@4.500%
7 Year Fixed Rate84 Payments of$1,400.22@4.625%
10 Year Fixed Rate120 Payments of$1,051.82@4.750%
15 Year Fixed Rate180 Payments of$786.84@4.875%
20 Year Fixed Rate240 Payments of$662.13@5.000%
Home Equity Fixed Term
Second or Vacation Homes
5 Year Fixed Rate60 Payments of$1,893.34@5.000%
7 Year Fixed Rate84 Payments of$1,424.02@5.125%
10 Year Fixed Rate120 Payments of$1,076.56@5.250%
15 Year Fixed Rate180 Payments of$813.26@5.375%
20 Year Fixed Rate240 Payments of$690.30@5.500%
Home Equity Fixed Term CO-OP
5 Year Fixed Rate60 Payments of$1,879.37@4.500%
7 Year Fixed Rate84 Payments of$1,407.20@4.625%
10 Year Fixed Rate120 Payments of$1,057.06@4.750%
15 Year Fixed Rate180 Payments of$790.76@4.875%
20 Year Fixed Rate240 Payments of$665.43@5.000%

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