Mortgage Rates

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Mortgage Rates

Effective Date: Thursday, April 26, 2018

Mortgage Rates

Loan TypeRatePointsAPR*
30 Year Fixed4.500%04.515%
20 Year Fixed4.375%04.396%
15 Year Fixed4.250%04.276%
10 Year Fixed4.125%04.163%
10/30 Balloon4.250%04.276%
1/1 Year Adjustable Rate2.375%02.174%
3/3 Year Adjustable Rate2.900%02.322%
3/1 Year Adjustable Rate2.875%02.317%
5/5 Year Adjustable Rate3.250%02.542%
5/1 Year Adjustable Rate3.175%02.516%
7/1 Year Adjustable Rate3.875%02.969%
10/1 Year Adjustable Rate4.000%03.313%

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*APR is the Annual Percentage Rate. Mortgage APR examples above are based on the assumption of a $225,000.00 first mortgage loan amount with a minimum of 20% Down Payment (no Private Mortgage Insurance [PMI] required). To qualify for this APR, a minimum direct deposit of $500 per month into a First Atlantic deposit account is required (without add .125%). Rates may change based on creditworthiness, property type, and several other factors. Please contact us for more information. Rates subject to change at any time and without notice.  


Home Equity Rates

Effective Date: Thursday, April 26, 2018

Home Equity Rates

Loan TypeRatePointsAPR*
Up to 5 Term Fixed Rate Home Equity Loan3.490%03.490%
10 Year Fixed Rate Home Equity Loan3.850%03.850%
15 Year Fixed Rate Home Equity Loan4.490%04.490%
Mortgage Express Loan4.250%04.250%

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*APR is the Annual Percentage Rate. Home Equity APRs reflect no closing costs for home equity loans up to $250,000.00. Home Equity loans for higher amounts are available but will include appraisal fees based on the value of the home and a higher APR will apply. To qualify for this APR, a minimum direct deposit of $500 per month into a First Atlantic deposit account is required(without add .50%). Rates may change based on creditworthiness, property type, and several other factors. Please contact us for more information. Rates subject to change at any time and without notice.


Home Equity Line of Credit (HELOC)

Effective Date: Thursday, April 26, 2018

Home Equity Line of Credit (HELOC)

Loan TypeRatePointsAPR*
Home Equity Line of Credit (HELOC)2.99%02.99%

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**APR=Annual Percentage Rate. APR subject to change at any time and is based on the Prime Rate as disclosed in the Wall Street Journal as of the 25th of the previous month. HELOC is a variable-rate line of credit secured by primary residences with up to 80% combined loan to value (CLTV) ratio for well-qualified applicants. Promotional rate shown. Annual Percentage Rate (APR) after the initial 12 months of the line of credit is as low as Prime-0.25%. After the introductory period the rate will never go below 3.25% APR. To qualify for the introductory APR, a minimum direct deposit of $500 per month into a First Atlantic deposit account is required and a minimum disbursement at the time the loan funds of $20,000.00. Promotional rates are for new loans to First Atlantic and are subject to creditworthiness. Additional conditions may apply. Subject to change at any time.