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Rates

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Current Rates

Mortgage Rates

The rates are informational only and are current as of 12:00 PM. Rates may change at any time and without prior notice. Your rate and fees may differ from quoted rates based on occupancy status, loan purpose, loan amount, credit score and loan to value.

Call Mortgage Department: (803) 367-4100, ext. 3014

Additional mortgage loan types available are Land, Construction-to-Permanent, USDA, FHA, and VA. Call (803) 367-4100, ext. 3014 for additional details and rates.

1 APR = Annual Percentage Rate as of 9/20/2016. Rates are subject to change. Contact us for specific rate and cost estimates for your individual loan request. For variable rate mortgage products, APR is subject to increase or decrease. All rates listed are based on a 1% origination fee.

2 Payment includes principal and interest only – Flood, mortgage insurance, property insurance, and taxes, if applicable, are not calculated in the payment example. Actual payment obligation will be greater if an escrow account is required.

This information is provided for illustrative purposes only and does not constitute an application, guarantee loan approval, nor is it an offer or commitment to make a loan. All loans are subject to individual credit approval, verification, and collateral evaluation. Initial decision is subject to meeting specific underwriting requirements and final approval will be based upon satisfying those requirements. Loans will be originated by Family Trust, however some products are sold to investors. Contact us for more information. Loan programs, rates, terms, and conditions are subject to change at any time without notice.

The rate, APR, and payment examples are estimates based on the following loan assumptions: a single family, stick-built, primary residence, Debt-To-Income ratio is less than 30%; credit score is over 720; and Loan-To-Value is 80% or less. Payment examples are based on a $200,000loan and include only principal and interest. Flood insurance, mortgage, property insurance, and taxes are not calculated in the payment example. Actual payment amount will be greater if an escrow account is required.

An upfront non-refundable application fee may be required as well as origination fees depending upon loan product chosen. Your rate and fees may differ from quoted rates based on occupancy status, loan purpose, loan amount, credit score and loan to value. The rates are informational only. Mortgage rates are subject to change until locked as required by Family Trust. All loans are subject to individual credit approval, verification, and collateral evaluation. Initial decision is subject to meeting specific underwriting requirements and final approval will be based upon satisfying those requirements. Loans originated by Family Trust, however some products are sold to investors. Contact us for more information. Loan programs, rates, terms, and conditions are subject to change at any time without notice.

Type Interest Rate APR1 Payment
30-Year Fixed Rate 4.000% 4.195% $954.83
15-Year Fixed Rate 3.375% 3.803% $1,417.52
7/1 Adjustable Rate 3.500% 2.861% $898.09

Home Equity Line of Credit Rates

4 APR = Annual Percentage Rate. Variable Annual Percentage Rate. As of 10/1/2018, the variable APR ranges from 5.00% to 11.25%. This rate is subject to change but will not exceed 18.00%. Rates and terms are dependent upon your creditworthiness and collateral and are subject to credit approval and may change at any time without notice. Property insurance is required and flood insurance is required where applicable. Restrictions may apply. Additional fees and closing costs, such as attorney fees, insurance, or appraisal fees, may apply. Contact Family Trust to see which fees would apply to you. Loan programs, rate, terms, and conditions are subject to change at any time without notice.

Type APR1 as low as
Home Equity Line of Credit 5.00%