Today’s Mortgage and Home Loan Rates
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Current Mortgage and Home Equity Rates in the Pittsburgh and Cumberland Markets
Mortgage Loan Rates | Construction Loan Rates | Hometown Loan Rates (Special!)
Home Equity Loan Rates | Line of Credit Rates | Other Loan Rates
All rates effective as of January 24, 2020. Please note that the rates are subject to change without notice.
Fixed Mortgage Loan Rates (1-4 Family Owner Occupied)
| Term | Interest Rate (%) | APR*(%) |
|---|---|---|
| 10 Year Loan | 3.125 | 3.456 |
| 15 Year Loan | 3.125 | 3.353 |
| 20 Year Loan | 3.125 | 3.338 |
| 30 Year Loan | 3.250 | 3.386 |
* Annual Percentage Rate (APR) is subject to change without notice.
The APR is accurate for a fixed rate home mortgage loan of $150,000 with a loan to value ratio (LTV) of 80%.
Higher LTV may require private mortgage (PMI) insurance, which will increase the APR.
The monthly principal and interest payment on $150,000 for 10-year is $1,457.08, 15-year is $1,044.91, 20-year is $841.31 and 30-year is $652.81. Property insurance is required.
Construction Loans - Fixed Rates
| Term | Interest Rate (%) | APR*(%) | |
|---|---|---|---|
| 30 Year Loan | 4.250 | 4.412 |
* Annual Percentage Rate (APR) is subject to change without notice.
The APR is accurate for a fixed rate home mortgage loan of $150,000 with a loan to value ratio (LTV) of 80%.
The monthly principal and interest payment on $150,000 for a 10-year is $1527.60 and 30-year is 737.91. Property insurance is required.
Adjustable Rate Mortgage Loan Rates (1-4 Family Owner Occupied)
| Product Name | Interest Rate (%) | APR*(%) |
|---|---|---|
| 5/1 ARM | 3.250 | 4.723 |
In the 6th year, the new interest rate will be based on an index (the weekly average yield for U.S. Treasury Securities adjusted to a constant maturity of one year rounded to the nearest one eighth percent), plus 3.500%.
The adjustment is limited to an increase or decrease of 2 percentage points annually. The interest rate cannot decrease to less than 3.500%.
For example, for every $1,000 borrowed at the initial interest rate of 3.000% there will be 60 fixed payments of $4.08. During the next 300 payments, the maximum amount that the interest rate can increase is 6 percentage points or 9.000% at a maximum payment of $7.87 . These payments do not include tax escrow or insurance payments.
Hometown Loan (Single family owner occupied)
| Term | Interest Rate (%) | APR*(%) |
|---|---|---|
| 15 Year | 3.375 | 3.699 |
| 20 Year | 3.375 | 3.626 |
| 30 Year | 3.500 | 3.681 |
* Annual Percentage Rate (APR) is subject to change without notice.
The APR is accurate for a fixed rate home mortgage loan of $50,000
LTV great than 80% requires private mortgage (PMI) insurance.
The monthly principal and interest payment on $50,000 for a 15 year loan is $354.38, 20 year loan is $286.78, and a 30 year loan is $224.52. Geographic and income restrictions apply.
Home Equity Loan ($10,000 - $510,400)
| Term | Loan Amount ($) | Interest Rate (%) | PAYMENT** | APR(%) */ ** |
|---|---|---|---|---|
| 5 Year Loan - First Lien Position | 10,000 to 510,400*** | 3.990 | $184.12 | 4.331 |
| 5 Year Loan - Second Lien Position | 10,000 to 510,400*** | 3.990 | $184.12 | 4.331 |
| 10 Year Loan - First Lien Position | 10,000 to 510,400*** | 3.990 | $101.20 | 4.168 |
| 10 Year Loan - Second Lien Position | 10,000 to 510,400*** | 3.990 | $101.20 | 4.168 |
| 15 Year Loan - First Lien Position | 25,000 to 510,400*** | 4.250 | $188.07 | 4.300 |
| 15 Year Loan - Second Lien Position | 10,000 to 510,400*** | 4.500 | $76.50 | 4.625 |
Minimum required loan balance is $10,000 - Except 15 Year First Lien Position minimum required $25,000.
Property must be a 1- 4 family owner occupied property.
Existing loan customers must increase their current loan amount by $10,000 to obtain new rate.
Maximum loan to value (LTV) of 89.9%.
AUTO-PAYMENT FROM A STANDARD BANK CHECKING ACCOUNT IS REQUIRED.
Property and flood insurance may be required if applicable.
An appraisal may be required.
Closing costs may range from $298.00 to $850.00.
Applicable recording stamps for the State of Maryland must be paid by the borrower.
** All Payments and APRs are based on $10,000 - Except 15 Year First Lien Position based on $25,000.
***Loans over $400,000 require Title Insurance.
Approval is subject to underwriting.
Interest Only - Home Equity Line of Credit
| Loan Amount ($) | *Interest Rate |
|---|---|
| $10,000 to $510,400 | Prime Rate Minus .51% *** ~Special~ > .99% for 6 months! |
An appraisal may be required. Maximum Loan to Value 85%.
Closing costs may range from $250.00 to $825.00.
Auto-payment from a Standard Bank checking account is required***
Applicable recording stamps for the State of Maryland must be paid by the borrower.
Property must be a 1-4 family, owner occupied property.
Interest rate may increase after consummation of the loan.
Variable Rate is based on the Prime Rate (currently 4.750%)
The Maximum APR over the life of the line can not exceed 18%
Property insurance is required on the property that secures your account. Flood Insurance may be required.
Lines in excess of $400,000 require Title Insurance.
$50 annual fee (waived for first year)
Other Products
| Product | Specifics |
|---|---|
| New and Used Auto Loans | Contact your Local Office for Details / Rates and Terms |
