# Mortgage Rates

Rates as of 1.12.2021. Additional terms and options available. Contact us for additional rates and terms.

## Mortgage Purchase Rates

### Rate Saver 15-Year Fixed*

**Rate**as low as 2.375%**APR**as low as 2.701%**Estimated Payment Term:**$1,893.62 per month for 15 years

### Rate Saver 30-Year Fixed*

**Rate**as low as 3.375%**APR**as low as 3.566%**Estimated Payment Term:**$1,267.66 per month for 30 years

### Rate Saver 15-Year Fixed Jumbo**

**Rate**as low as 2.375%**APR**as low as 2.693%**Estimated Payment Term:**$3,785.11 per month for 15 years

### Rate Saver 30-Year Fixed Jumbo**

**Rate**as low as 3.375%**APR**as low as 3.561%**Estimated Payment Term:**$2,533.76 per month for 30 years

### Flex Saver 15-Year Fixed*

**Rate**as low as 2.625%**APR**as low as 2.810%**Estimated Payment Term:**$1,908.15 per month for 15 years

### Flex Saver 30-Year Fixed*

**Rate**as low as 3.625%**APR**as low as 3.736%**Estimated Payment Term:**$1,294.50 per month for 30 years

### Flex Saver 15-Year Fixed Jumbo**

**Rate**as low as 2.625%**APR**as low as 2.802%**Estimated Payment Term:**$3,814.15 per month for 15 years

### Flex Saver 30-Year Fixed Jumbo**

**Rate**as low as 3.625%**APR**as low as 3.732%**Estimated Payment Term:**$2,587.73 per month for 30 years

### Fee Saver 15-Year Fixed*

**Rate**as low as 2.875%**APR**as low as 2.919%**Estimated Payment Term:**$1,922.74 per month for 15 years

### Fee Saver 30-Year Fixed*

**Rate**as low as 3.875%**APR**as low as 3.906%**Estimated Payment Term:**$1,321.63 per month for 30 years

### Fee Saver 15-Year Fixed Jumbo**

**Rate**as low as 2.875%**APR**as low as 2.912%**Estimated Payment Term:**$3,843.60 per month for 15 years

### Fee Saver 30-Year Fixed Jumbo**

**Rate**as low as 3.875%**APR**as low as 3.902%**Estimated Payment Term:**$2,641.98 per month for 30 years

### 5/5 ARM*

**Rate**as low as 2.500%**APR**as low as 2.432%**Estimated Payment Term:**$1,096.46 per month for initial fixed rate period (5 years)

### 10/10 ARM*

**Rate**as low as 2.875%**APR**as low as 3.028%**Estimated Payment Term:**$1,184.72 per month for initial fixed rate period (10 years)

### Jumbo 5/5 ARM**

**Rate**as low as 2.500%**APR**as low as 2.428%**Estimated Payment Term:**$2,191.77 per month for initial fixed rate period (5 years)

### Jumbo 10/10 ARM**

**Rate**as low as 2.875%**APR**as low as 3.023%**Estimated Payment Term:**$2,367.93 per month for initial fixed rate period (10 years)

*Rates, payments, and closing costs are based on a $280,000 loan amount with a 70% LTV and credit score >=760. Payment examples do not include taxes and insurance premiums; actual payment may be greater.

**Rates, payments, and closing costs are based on a $560,000 loan amount with a 70% LTV and credit score >=760. Payment examples do not include taxes and insurance premiums; actual payment may be greater.

APR=Annual Percentage Rate. Membership required. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Rates are subject to credit score, loan-to-value matrix adjustments and normal credit underwriting factors. Property must be located in Texas and primary owner-occupied single family residence. Payments do not include amounts for taxes and insurance premiums. Actual payment obligation may be greater. Additional terms available. Rates shown apply to loans up to $749,999. Please call for rates for loans of $750,000 or higher. ARM interest rates and payments are subject to increase after initial fixed-rate period (5 years for a 5/5 ARM, 10 years for a 10/10 ARM). ARM interest rates are subject to change at set intervals (every 5 years for a 5/5 ARM, every 10 years for a 10/10 ARM). ARM rate adjustments are determined by an index and margin, the index of which is variable and therefore unknown for future payments. NMLS #405608. Rates as of 1.12.2021.

**Rates, payments, and closing costs are based on a $560,000 loan amount with a 70% LTV and credit score >=760. Payment examples do not include taxes and insurance premiums; actual payment may be greater.

APR=Annual Percentage Rate. Membership required. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Rates are subject to credit score, loan-to-value matrix adjustments and normal credit underwriting factors. Property must be located in Texas and primary owner-occupied single family residence. Payments do not include amounts for taxes and insurance premiums. Actual payment obligation may be greater. Additional terms available. Rates shown apply to loans up to $749,999. Please call for rates for loans of $750,000 or higher. ARM interest rates and payments are subject to increase after initial fixed-rate period (5 years for a 5/5 ARM, 10 years for a 10/10 ARM). ARM interest rates are subject to change at set intervals (every 5 years for a 5/5 ARM, every 10 years for a 10/10 ARM). ARM rate adjustments are determined by an index and margin, the index of which is variable and therefore unknown for future payments. NMLS #405608. Rates as of 1.12.2021.

## Mortgage Refinance Rates

### 15-Year Fixed Refinance

**Rate**as low as 2.625%**APR**as low as 2.661%**Estimated Payment Term:**$6.74 per $1,000 per month for 15 years

### 30-Year Fixed Refinance

**Rate**as low as 3.625%**APR**as low as 3.650%**Estimated Payment Term:**$4.57 per $1,000 per month for 30 years

### 5/5 ARM Refinance

**Rate**as low as 2.500%**APR**as low as 2.353%**Estimated Payment Term:**$3.88 per $1,000 per month for initial fixed rate period (5 years)

### 10/10 ARM Refinance

**Rate**as low as 2.875%**APR**as low as 2.946%**Estimated Payment Term:**$4.19 per $1,000 per month for initial fixed rate period (10 years)

### Jumbo 15-Year Fixed Refinance

**Rate**as low as 2.625%**APR**as low as 2.661%**Estimated Payment Term:**$6.74 per $1,000 per month for 15 years

### Jumbo 30-Year Fixed Refinance

**Rate**as low as 3.625%**APR**as low as 3.650%**Estimated Payment Term:**$7.22 per $1,000 per month for 30 years

### Jumbo 5/5 ARM Refinance

**Rate**as low as 2.500%**APR**as low as 2.353%**Estimated Payment Term:**$3.88 per $1,000 per month for initial fixed rate period (5 years)

### Jumbo 10/10 ARM Refinance

**Rate**as low as 2.875%**APR**as low as 2.946%**Estimated Payment Term:**$4.19 per $1,000 per month for initial fixed rate period (10 years)

APR=Annual Percentage Rate. Membership required. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Rates are subject to credit score, loan-to-value matrix adjustments and normal credit underwriting factors. Add 0.50% to the above rates for loans of $750,000 or more. Payments do not include amounts for taxes and insurance premiums. Actual payment obligation may be greater. ARM interest rates and payments are subject to increase after initial fixed-rate period (5 years for a 5/5 ARM, 10 years for a 10/10 ARM). ARM interest rates are subject to change at set intervals (every 5 years for a 5/5 ARM, every 10 years for a 10/10 ARM). ARM rate adjustments are determined by an index and margin, the index of which is variable and therefore unknown for future payments. Additional terms available. NMLS #405608. Rates as of 1.12.2021.

## First-Time Homebuyer Rates

### 15-Year Fixed

**Rate**as low as 2.375%**APR**as low as 2.415%**Estimated Payment Term:**$6.63 per $1,000 per month for 15 years

### 30-Year Fixed

**Rate**as low as 3.375%**APR**as low as 3.401%**Estimated Payment Term:**$4.44 per $1,000 per month for 30 years

APR=Annual Percentage Rate. Membership required. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. As low as APR includes 0% origination fee for 10,000 PlusPoints. Rates are subject to credit score, loan-to-value matrix adjustments and normal credit underwriting factors. Payments do not include amounts for taxes and insurance premiums. Actual payment obligation may be greater. Additional terms available. NMLS #405608. Rates as of 1.12.2021.

## Educator Mortgage Rates

### 15-Year Fixed

**Rate**as low as 2.375%**APR**as low as 2.415%**Estimated Payment Term:**$6.63 per $1,000 per month for 15 years

### 30-Year Fixed

**Rate**as low as 3.375%**APR**as low as 3.401%**Estimated Payment Term:**$4.44 per $1,000 per month for 30 years

APR=Annual Percentage Rate. Membership required. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. As low as APR includes 0% origination fee for 10,000 PlusPoints. All loans subject to credit approval. Rates are subject to credit score, loan-to-value matrix adjustments and normal credit underwriting factors. Payments do not include amounts for taxes and insurance premiums. Actual payment obligation may be greater. Additional terms available. NMLS #405608. Rates as of 1.12.2021.

## Home Equity Loan

### Home Equity Loan

**Rate**as low as 3.250%**APR**as low as 3.285%**Estimated Payment Term:**$7.04 per $1,000 per month for 15 years

APR=Annual Percentage Rate. Membership required. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Rates listed are for 15 year loans. Payments for first lien do not include taxes and insurance premiums. Additional terms available. NMLS #405608. Rates as of 1.12.2021.

## Home Equity Line of Credit (HELOC)

### Home Equity Line of Credit

**Rate**as low as 3.250%

APR=Annual Percentage Rate. Membership required. Read CFPB HELOC Disclosure document. Review HELOC FAQs. HELOCs are a variable rate product. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. NMLS #405608. Rates as of 1.12.2021.

##### Mortgage Purchase Rates

Rate | APR | Estimated Payment Terms | |
---|---|---|---|

Rate Saver 15-Year Fixed* | As low as 2.375% | As low as 2.701% | $1,893.62 per month for 15 years |

Rate Saver 30-Year Fixed* | As low as 3.375% | As low as 3.566% | $1,267.66 per month for 30 years |

Rate Saver 15-Year Fixed Jumbo** | As low as 2.375% | As low as 2.693% | $3,785.11 per month for 15 years |

Rate Saver 30-Year Fixed Jumbo** | As low as 3.375% | As low as 3.561% | $2,533.76 per month for 30 years |

Flex Saver 15-Year Fixed* | As low as 2.625% | As low as 2.810% | $1,908.15 per month for 15 years |

Flex Saver 30-Year Fixed* | As low as 3.625% | As low as 3.736% | $1,294.50 per month for 30 years |

Flex Saver 15-Year Fixed Jumbo** | As low as 2.625% | As low as 2.802% | $3,814.15 per month for 15 years |

Flex Saver 30-Year Fixed Jumbo** | As low as 3.625% | As low as 3.732% | $2,587.73 per month for 30 years |

Fee Saver 15-Year Fixed* | As low as 2.875% | As low as 2.919% | $1,922.74 per month for 15 years |

Fee Saver 30-Year Fixed* | As low as 3.875% | As low as 3.906% | $1,321.63 per month for 30 years |

Fee Saver 15-Year Fixed Jumbo** | As low as 2.875% | As low as 2.912% | $3,843.60 per month for 15 years |

Fee Saver 30-Year Fixed Jumbo** | As low as 3.875% | As low as 3.902% | $2,641.98 per month for 30 years |

5/5 ARM* | As low as 2.500% | As low as 2.432% | $1,096.46 per month for initial fixed rate period (5 years) |

10/10 ARM* | As low as 2.875% | As low as 3.028% | $1,184.72 per month for initial fixed rate period (10 years) |

Jumbo 5/5 ARM** | As low as 2.500% | As low as 2.428% | $2,191.77 per month for initial fixed rate period (5 years) |

Jumbo 10/10 ARM** | As low as 2.875% | As low as 3.023% | $2,367.93 per month for initial fixed rate period (10 years) |

*Rates, payments, and closing costs are based on a $280,000 loan amount with a 70% LTV and credit score >=760. Payment examples do not include taxes and insurance premiums; actual payment may be greater.

**Rates, payments, and closing costs are based on a $560,000 loan amount with a 70% LTV and credit score >=760. Payment examples do not include taxes and insurance premiums; actual payment may be greater.

APR=Annual Percentage Rate. Membership required. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Rates are subject to credit score, loan-to-value matrix adjustments and normal credit underwriting factors. Property must be located in Texas and primary owner-occupied single family residence. Payments do not include amounts for taxes and insurance premiums. Actual payment obligation may be greater. Additional terms available. Rates shown apply to loans up to $749,999. Please call for rates for loans of $750,000 or higher. ARM interest rates and payments are subject to increase after initial fixed-rate period (5 years for a 5/5 ARM, 10 years for a 10/10 ARM). ARM interest rates are subject to change at set intervals (every 5 years for a 5/5 ARM, every 10 years for a 10/10 ARM). ARM rate adjustments are determined by an index and margin, the index of which is variable and therefore unknown for future payments. NMLS #405608. Rates as of 1.12.2021.

**Rates, payments, and closing costs are based on a $560,000 loan amount with a 70% LTV and credit score >=760. Payment examples do not include taxes and insurance premiums; actual payment may be greater.

APR=Annual Percentage Rate. Membership required. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Rates are subject to credit score, loan-to-value matrix adjustments and normal credit underwriting factors. Property must be located in Texas and primary owner-occupied single family residence. Payments do not include amounts for taxes and insurance premiums. Actual payment obligation may be greater. Additional terms available. Rates shown apply to loans up to $749,999. Please call for rates for loans of $750,000 or higher. ARM interest rates and payments are subject to increase after initial fixed-rate period (5 years for a 5/5 ARM, 10 years for a 10/10 ARM). ARM interest rates are subject to change at set intervals (every 5 years for a 5/5 ARM, every 10 years for a 10/10 ARM). ARM rate adjustments are determined by an index and margin, the index of which is variable and therefore unknown for future payments. NMLS #405608. Rates as of 1.12.2021.

##### Mortgage Refinance Rates

Rate | APR | Estimated Payment Terms | |
---|---|---|---|

15-Year Fixed Refinance | As low as 2.625% | As low as 2.661% | $6.74 per $1,000 per month for 15 years |

30-Year Fixed Refinance | As low as 3.625% | As low as 3.650% | $4.57 per $1,000 per month for 30 years |

5/5 ARM Refinance | As low as 2.500% | As low as 2.353% | $3.88 per $1,000 per month for initial fixed rate period (5 years) |

10/10 ARM Refinance | As low as 2.875% | As low as 2.946% | $4.19 per $1,000 per month for initial fixed rate period (10 years) |

Jumbo 15-Year Fixed Refinance | As low as 2.625% | As low as 2.661% | $6.74 per $1,000 per month for 15 years |

Jumbo 30-Year Fixed Refinance | As low as 3.625% | As low as 3.650% | $7.22 per $1,000 per month for 30 years |

Jumbo 5/5 ARM Refinance | As low as 2.500% | As low as 2.353% | $3.88 per $1,000 per month for initial fixed rate period (5 years) |

Jumbo 10/10 ARM Refinance | As low as 2.875% | As low as 2.946% | $4.19 per $1,000 per month for initial fixed rate period (10 years) |

APR=Annual Percentage Rate. Membership required. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Rates are subject to credit score, loan-to-value matrix adjustments and normal credit underwriting factors. Add 0.50% to the above rates for loans of $750,000 or more. Payments do not include amounts for taxes and insurance premiums. Actual payment obligation may be greater. ARM interest rates and payments are subject to increase after initial fixed-rate period (5 years for a 5/5 ARM, 10 years for a 10/10 ARM). ARM interest rates are subject to change at set intervals (every 5 years for a 5/5 ARM, every 10 years for a 10/10 ARM). ARM rate adjustments are determined by an index and margin, the index of which is variable and therefore unknown for future payments. Additional terms available. NMLS #405608. Rates as of 1.12.2021.

## Specialty Programs

##### First-Time Homebuyer Rates

Rate | APR | Estimated Payment Terms | |
---|---|---|---|

15-Year Fixed | As low as 2.375% | As low as 2.415% | $6.63 per $1,000 per month for 15 years |

30-Year Fixed | As low as 3.375% | As low as 3.401% | $4.44 per $1,000 per month for 30 years |

APR=Annual Percentage Rate. Membership required. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. As low as APR includes 0% origination fee for 10,000 PlusPoints. Rates are subject to credit score, loan-to-value matrix adjustments and normal credit underwriting factors. Payments do not include amounts for taxes and insurance premiums. Actual payment obligation may be greater. Additional terms available. NMLS #405608. Rates as of 1.12.2021.

##### Educator Mortgage Rates

Rate | APR | Estimated Payment Terms | |
---|---|---|---|

15-Year Fixed | As low as 2.375% | As low as 2.415% | $6.63 per $1,000 per month for 15 years |

30-Year Fixed | As low as 3.375% | As low as 3.401% | $4.44 per $1,000 per month for 30 years |

APR=Annual Percentage Rate. Membership required. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. As low as APR includes 0% origination fee for 10,000 PlusPoints. Rates are subject to credit score, loan-to-value matrix adjustments and normal credit underwriting factors. Payments do not include amounts for taxes and insurance premiums. Actual payment obligation may be greater. Additional terms available. NMLS #405608. Rates as of 1.12.2021.

##### Home Equity

Rate | APR | Estimated Payment Terms | |
---|---|---|---|

Home Equity Loan | As low as 3.250% | As low as 3.285% | $7.04 per $1,000 per month for 15 years |

APR=Annual Percentage Rate. Membership required. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Rates listed are for 15 year loans. Payments for first lien do not include taxes and insurance premiums. Additional terms available. NMLS #405608. Rates as of 1.12.2021.

##### Home Equity Line of Credit (HELOC)

APR | |
---|---|

Home Equity Line of Credit | As low as 3.250% |

APR=Annual Percentage Rate. Membership required. Read CFPB HELOC Disclosure document. Review HELOC FAQs. HELOCs are a variable rate product. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. NMLS #405608. Rates as of 1.12.2021.