Mortgage Rates

Conforming Mortgage Rates

Type
Rate
Term
Monthly Payment / $10,000*
APR1 (based on $350,000, 25% down)
Minimum Down
Time Initial Rate is Fixed
Adjustment After Initial Period
First Adjusted Interest Rate
Max Lifetime Cap
Type: 30 Yr. Fixed Rate
Rate: 6.250%
Term: 30 Yr.
Monthly Payment / $10,000*: $61.57
APR1 (based on $350,000, 25% down): 6.288%
Minimum Down: 5%
Time Initial Rate is Fixed: n/a
Adjustment After Initial Period: n/a
First Adjusted Interest Rate: n/a
Max Lifetime Cap: n/a
Type: 15 Yr. Fixed Rate
Rate: 5.875%
Term: 15 Yr.
Monthly Payment / $10,000*: $83.71
APR1 (based on $350,000, 25% down): 5.937%
Minimum Down: 5%
Time Initial Rate is Fixed: n/a
Adjustment After Initial Period: n/a
First Adjusted Interest Rate: n/a
Max Lifetime Cap: n/a
Type: 3/6m SOFR ARM**
Rate: 6.500%
Term: 30 Yr.
Monthly Payment / $10,000*: $63.21
APR1 (based on $350,000, 25% down): 6.729%
Minimum Down: 5%
Time Initial Rate is Fixed: 3 Yrs.
Adjustment After Initial Period: 6 Months
First Adjusted Interest Rate: 6.625%
Max Lifetime Cap: 12.500%
Type: 5/6m SOFR ARM**
Rate: 6.875%
Term: 30 Yr.
Monthly Payment / $10,000*: $65.69
APR1 (based on $350,000, 25% down): 6.864%
Minimum Down: 5%
Time Initial Rate is Fixed: 5 Yrs.
Adjustment After Initial Period: 6 Months
First Adjusted Interest Rate: 6.625%
Max Lifetime Cap: 11.875%
Type: 7/6m SOFR ARM**
Rate: 7.125%
Term: 30 Yr.
Monthly Payment / $10,000*: $67.37
APR1 (based on $350,000, 25% down): 7.029%
Minimum Down: 5%
Time Initial Rate is Fixed: 7 Yrs.
Adjustment After Initial Period: 6 Months
First Adjusted Interest Rate: 6.625%
Max Lifetime Cap: 12.125%

Jumbo Mortgage Rates

Type
Rate
Term
Monthly Payment / $10,000*
APR1 (based on $850,000, 25% down)
Minimum Down
Time Initial Rate is Fixed
Adjustment After Initial Period
First Adjusted Interest Rate
Max Lifetime Cap
Type: 30 Yr. Fixed Rate
Rate: 8.500%
Term: 30 Yr.
Monthly Payment / $10,000*: $76.89
APR1 (based on $850,000, 25% down): 8.628%
Minimum Down: 20%
Time Initial Rate is Fixed: n/a
Adjustment After Initial Period: n/a
First Adjusted Interest Rate: n/a
Max Lifetime Cap: n/a
Type: 15 Yr. Fixed Rate
Rate: 7.000%
Term: 15 Yr.
Monthly Payment / $10,000*: $89.88
APR1 (based on $850,000, 25% down): 7.189%
Minimum Down: 20%
Time Initial Rate is Fixed: n/a
Adjustment After Initial Period: n/a
First Adjusted Interest Rate: n/a
Max Lifetime Cap: n/a
Type: 3/6m SOFR ARM**
Rate: 6.500%
Term: 30 Yr.
Monthly Payment / $10,000*: $63.21
APR1 (based on $850,000, 25% down): 6.706%
Minimum Down: 10%
Time Initial Rate is Fixed: 3 Yrs.
Adjustment After Initial Period: 6 Months
First Adjusted Interest Rate: 6.625%
Max Lifetime Cap: 12.500%
Type: 5/6m SOFR ARM**
Rate: 6.875%
Term: 30 Yr.
Monthly Payment / $10,000*: $65.69
APR1 (based on $850,000, 25% down): 6.841%
Minimum Down: 10%
Time Initial Rate is Fixed: 5 Yrs.
Adjustment After Initial Period: 6 Months
First Adjusted Interest Rate: 6.625%
Max Lifetime Cap: 11.875%
Type: 7/6m SOFR ARM**
Rate: 7.125%
Term: 30 Yr.
Monthly Payment / $10,000*: $67.37
APR1 (based on $850,000, 25% down): 7.005%
Minimum Down: 10%
Time Initial Rate is Fixed: 7 Yrs.
Adjustment After Initial Period: 6 Months
First Adjusted Interest Rate: 6.625%
Max Lifetime Cap: 12.125%
Contact us and we’ll answer your questions.

1APR= Annual Percentage Rate; Effective January 27, 2026 45 day rate lock period, a minimum credit score of 740 and Loan to Value (LTV) ratio of 75% to purchase a 1 unit owner occupied, single family dwelling. Rates are subject to change without notice. Rates, points (quoted rates may include up to 3 discount points) and APR will vary based on loan amount, credit score, lock period, LTV, property type, loan type and loan purpose. Loans with LTV ratios above 80% may have higher APRs and will require Private Mortgage Insurance (PMI). Homeowner insurance required. Flood insurance may be required. Fees could range from $500 to $1,500 and include a credit report, appraisal, lien search, flood search, recording and satisfaction fees. Subject to credit approval.  *Any projected payments do not include amounts for taxes and insurance premiums; if applicable, the actual payment obligation will be greater.  **ARM =Adjustable Rate Mortgage; The APR, interest rate and principal and interest payment for ARM loans are subject to increase and will change after the initial period due to market-driven changes to the index. The ARM rate index is the 30-Day average of the Secured Overnight Financing Rate (SOFR). Ephrata National Bank, Member FDIC. Equal Housing Lender.