30 Year Fixed Rate Loan 30 Day Lock*

Loan Amount	Interest Rate	Annual Percentage Rate (APR)	Number of Monthly Payments	Payment per $1,000 Borrowed
$300,000	6.250%	6.274%	360	$6.16
$200,000	5.750%	5.782%	360	$5.84
$100,000	5.750%	5.820%	360	$5.84

 

15 Year Fixed Rate Loan 30 Day Lock*

Loan Amount	Interest Rate	Annual Percentage Rate (APR)	Number of Monthly Payments	Payment per $1,000 Borrowed
$300,000	5.750%	5.786%	180	$8.30
$200,000	5.875%	5.929%	180	$8.37
$100,000	6.000%	6.108%	180	$8.44

HomeReady® Mortgage 30 Year Fixed Rate Loan - 30 Day Lock

Fannie Mae’s affordable home loan product allows as little as 3% down payment, and is designed for first time and repeat homebuyers. Income limits apply, rates down to 620 credit scores, other qualifications apply. Contact your Hills Bank mortgage lender for additional information.

Loan Amount	Interest Rate	Annual Percentage Rate (APR)	Number of Monthly Payments	Payment per $1,000 Borrowed
$300,000	6.250%	6.274%	360	$6.16
$200,000	5.750%	5.782%	360	$5.84
$100,000	5.750%	5.820%	360	$5.84

*Rate is a 30 day lock, assumes 75% loan to value (LTV) and a 780 credit score.

• Monthly Payments do not include amounts for property taxes or homeowner’s insurance; actual payments could be higher.
• Rates assume owner-occupied dwelling.
• Rates are subject to qualifying credit and can change.
• For other loan amounts, terms, and rates contact a Mortgage Lender at any location.
• Hills Bank is not responsible for typographical errors or omissions.

Contact a Mortgage Lender for Current ARM Rates, including up to 100% Financing

30 Year Fixed Rate Loan 60 Day Lock

Loan Amount	Points	Interest Rate	Annual Percentage Rate (APR)	Number of Monthly Payments	Payment per $1,000 Borrowed
$300,000	0.000	6.250%	6.272%	360	$6.16
$200,000	0.000	5.875%	5.907%	360	$5.92
$100,000	0.000	5.750%	5.820%	360	$5.84

15 Year Fixed Rate Loan 60 Day Lock

Loan Amount	Points	Interest Rate	Annual Percentage Rate (APR)	Number of Monthly Payments	Payment per $1,000 Borrowed
$300,000	0.000	5.875%	5.911%	180	$8.37
$200,000	0.000	5.875%	5.929%	180	$8.37
$100,000	0.000	6.000%	6.108%	180	$8.44

• Rates assume Rate/Term Refinance.
• Monthly payments do not include amounts for taxes and insurance (if applicable), and actual payments will be greater.
• Rates assume owner-occupied dwelling.
• Rates are subject to qualifying credit and may change.
• Rates are based on 780 credit score and 75% loan to value (LTV).
• For other loan amounts, terms, and rates contact a Mortgage Lender at any location.
• Hills Bank is not responsible for typographical errors or omissions.