Financing Designed Around Your Goals
No two homebuyers are alike, which is why we offer financing options for first-time buyers, homeowners looking to refinance, those building a home, and more. Our lenders will help you find the solution that fits your goals.
All Rates Effective October 19, 2026 at 10:00 a.m.
Rates are subject to change during the day without notice.
Due to rate volatility, please contact a mortgage lender for an accurate rate quote for your mortgage.
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 | 7.000% | 7.025% | 360 | $6.65 |
| $200,000 | 6.875% | 6.913% | 360 | $6.57 |
| $100,000 | 6.875% | 6.950% | 360 | $6.57 |
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 | 6.375% | 6.415% | 180 | $8.64 |
| $200,000 | 6.375% | 6.435% | 180 | $8.64 |
| $100,000 | 6.375% | 6.496% | 180 | $8.64 |
*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 | Interest Rate | Annual Percentage Rate (APR) | Number of Monthly Payments | Payment per $1,000 Borrowed |
| $300,000 | 7.000% | 7.025% | 360 | $6.65 |
| $200,000 | 6.875% | 6.913% | 360 | $6.57 |
| $100,000 | 7.000% | 7.076% | 360 | $6.65 |
15 Year Fixed Rate Loan 60 Day Lock
| Loan Amount | Interest Rate | Annual Percentage Rate (APR) | Number of Monthly Payments | Payment per $1,000 Borrowed |
| $300,000 | 6.375% | 6.415% | 180 | $8.64 |
| $200,000 | 6.500% | 6.560% | 180 | $8.71 |
| $100,000 | 6.500% | 6.621% | 180 | $8.71 |
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.
Please contact a Mortgage Lender for the most up-to-date rates including:
- In House ARM loans with up to 100% financing
- Veterans Affairs (VA)
- Federal Housing Administration (FHA)
- USDA Rural Development Loan Assistance
Hills Bank offers free pre-approvals with no application fee
Apply online with any mortgage lender.