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Mortgage Rates

Rates Effective:

USALLIANCE Financial is not responsible for any rates that may change prior to an executed rate lock commitment letter. Click to view our Rate Lock Policy. Please note: you cannot lock in a rate until you have a signed contract on a property or are refinancing.

The Annual Percentage Rate (APR), listed below, is based upon loan to values of 80% or less. Loan to values greater than 80% will require private mortgage insurance and your APR will be higher. The APR is estimated based on loan size of $250,000 for conforming loans and $766,551 for jumbo loans. APR may be higher for cash-out refinance applications.  Interest rates and loan programs shown are subject to change without notice and assume excellent credit. A consumer credit report will be obtained in connection with an application. The name and address of the agency and/or agencies providing the credit report will be furnished upon request. A consumer credit report may also be requested in connection with any update, renewal or extension of the credit for which application is made. 

Conforming Loans

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Loan amounts up to $766,550* | Max loan amount listed for is single family home or condo. Max loan amount for 2-family home is $981,500; 3-family is $1,186,350; 4-family is $1,474,400.

Fixed Rate Interest Rate APR Points
30 Year Fixed 7.000% 7.205% 0.00
20 Year Fixed 6.875% 7.141% 0.00
15 Year Fixed 6.750% 6.877% 0.00
10 Year Fixed 6.625% 6.802% 0.00
Adjustable Rate Mortgages (ARM) Interest Rate APR Points
5 Year Adjustable 6.750% 6.838% 0.00
7 Year Adjustable 6.750% 6.838% 0.00
10 Year Adjustable 7.000% 7.190% 0.00
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Jumbo Loans

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Loan amounts from $766,551 - $1,500,000 | Minimum Loan amount listed for is single family home or condo. Minimum loan amount for 2-family home is $981,501; 3-family is $1,186,351; 4-family is $1,474,401.
Loan amounts over $1,500,000 are available | Please call for rate options.

Fixed Rate Interest Rate APR Points
30 Year Fixed 7.125% 7.140% 0.00
20 Year Fixed 7.000% 7.019% 0.00
15 Year Fixed 6.875% 6.898% 0.00
10 Year Fixed 6.750% 6.783% 0.00
Adjustable Rate Mortgage (ARM) Interest Rate APR Points
5 Year Adjustable 6.875% 6.888% 0.00
7 Year Adjustable 6.875% 6.888% 0.00
10 Year Adjustable 7.000% 7.013% 0.00


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Home Equity Line of Credit

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Type Interest Rate and APR (as low as)
HELOC - Primary Residence - 80% CLTV PRIME + 0.500%*
HELOC - Primary Residence - 85% CLTV PRIME + 1.000%*
HELOC - Primary Residence - 90% CLTV PRIME + 2.000%*
HELOC - Primary Residence - 90% HCLTV (10% LTV cap) PRIME + 1.875%*
HELOC - Vacation Home - 80% CLTV PRIME + 1.500%*
HELOC - Residential Investment Property - 80% CLTV PRIME + 3.500%*
*Rates are based on the term of the loan and set by the Asset/Liability Committee of USALLIANCE Financial
CLTV (Combined Loan To Value Ratio) is the ratio of all loans secured by a property to the property's value.
All HELOC rates are Variable.
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Home Equity Loan

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Type Interest Rate (as low as) APR
HELOAN - Primary Residence - 80% CLTV - 5 Year 7.250% 7.334%
HELOAN - Primary Residence - 80% CLTV - 10 Year 8.000% 8.070%
HELOAN - Primary Residence - 80% CLTV - 15 Year 8.750% 8.820%
HELOAN - Primary Residence - 80% CLTV - 20 Year 8.875% 8.933%
HELOAN - Primary Residence - 90% CLTV - 5 Year 7.875% 7.925%
HELOAN - Primary Residence - 90% CLTV - 10 Year 8.500% 8.586%
HELOAN - Primary Residence - 90% CLTV - 15 Year 9.250% 9.321%
HELOAN - Primary Residence - 90% CLTV - 20 Year 9.375% 9.434%
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How can we help you?

Buying a home or borrowing on your equity is a major life decision. We’re sure you have questions. And our knowledgeable home lending specialists can help answer them. Please give us a call or schedule an appointment today.

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