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Mortgage Loans

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Rates

  Adjustable Rate Mortgage Loan (ARM)
ProductAPR†Estimated PaymentExample Loan AmountLoan to Value*Owner Occupied
5/1 ARM3.814%$843.21$200,000 < 80%Yes
5/1 ARM3.821%$870.41$200,000 < 80%Yes
7/1 ARM3.945%$870.41$200,000 < 80%Yes
7/1 ARM3.981%$898.09$200,000 < 80%Yes
 15-Year Fixed
15-Year FixedAPREstimated PaymentExample Loan AmountLoan to Value*Owner Occupied
With closing costs3.499% $1,400.48 $200,000 < 80%Yes
1% fee waived with closing costs3.604% $1,424.86 $200,000 < 80% Yes
Without closing costs3.910% $1,464.39 $200,000 < 80%Yes
  30-Year Fixed
30-Year FixedAPREstimated PaymentExample Loan AmountLoan to Value*Owner Occupied
With closing costs4.428%$983.88$200,000 < 80%Yes
1% fee waived with closing costs4.594%$1013.37$200,000 < 80%Yes
Without closing costs4.960% $1,061.45 $200,000 < 80%Yes

 The Fine Print

Evergreen Home Loans® offers a range of affordable programs and various loan terms. Programs include conventional, FHA, VA loans, construction financing, and other low down payment options. Call 800-459-5331 for details.

†APR = Annual Percentage Rate. The annual percentage rate may be increased after consummation for adjustable rate mortgages. Your rate may be higher than the advertised rate depending on loan terms, credit qualifications, applicable finance charges, and underwriting standards.

The adjustable rate mortgage (ARM) interest rates and payments are variable and subject to increase after the initial fixed-rate period (60 months for the 5/1 ARM and 84 months for the 7/1 ARM). ARMs assume a 30-year term. Property insurance is required and flood insurance may also be required.

After the initial period ends, the rate is subject to adjustment every 12 months and may increase. Your interest rate will be based on an index plus a margin unless your interest rate “Caps” limit the amount of change in the interest rate. Your initial interest rate is not based on the Index used to make later adjustments. The Index is the average interbank offered rates for one year, U.S. dollar denominated, deposits in the London market (LIBOR), as published in the Wall Street Journal. Ask for our current interest rates and margins. Click here for additional ARM information.

The estimated monthly payments are based on an example loan amount with no cash-out, no subordinate financing, and does not include amounts for taxes and home insurance. Your payment will be based on the interest rate, loan balance, and loan term. Actual payment amount will be greater if an escrow account for taxes and insurance is established. Borrowers making a down payment of less than 20% may require mortgage insurance, which will increase the monthly payment and APR.

Programs, rates, terms, and conditions are subject to change at any time without notice. Other terms, conditions, restrictions and fees may apply.

1Includes a 1% discount rate.

*Loan-To-Value (LTV) is a ratio that divides the home loan value into the property value. For example, if your home is worth $100,000 and you owe $60,000 on your home, then your loan-to-value is 60,000/100,000=60%. Fifteen-year loans are available for qualifying customers that have an LTV of 80% or lower. Other qualifying conditions may apply. Call for details.

© 2017 Evergreen Home Loans is a registered trade name of Evergreen Moneysource Mortgage Company® NMLS ID 3182. Trade/service marks are the property of Evergreen Home Loans. All rights reserved. Licensed under: Alaska Mortgage Broker/Lender License AK3182 and AK3182-1; Arizona Mortgage Banker License 0910074; California-DBO Residential Mortgage Lending Act License 4130291; Idaho Mortgage Broker/Lender License MBL-3134; Nevada Mortgage Banker License 3130; Oregon Mortgage Lending License ML-3213; Washington Consumer Loan Company License CL-3182.

For Nationwide Mortgage Licensing System registry information, visit the NMLS Consumer Access website. Evergreen Home Loans is an Equal Housing Lender.


Financing Options

  • Conventional Fixed-Rate Loans
  • VA No Down Payment Loans
  • FHA Low Down Payment Loans
  • Jumbo Loans
  • Cash-out Refinancing
  • USDA Financing
  • First-Time Homebuyer Programs
  • Reverse Mortgages

Resources

Mortgage Assistance
Mortgage Assistance

Research and understand your options when you run into financial hardships.