Log In Home Loan Rates Home Loans — Purchase or Refinance Fixed Rate Home Loans Get Current Rates Offers the security of fixed rates and payments for the life of your loan. A variety of terms are available, from short-term loans to help you pay down your mortgage faster, to long-term loans that keep your payments low. Owner and non-owner occupied loans available. CA properties only. Adjustable Rate Home Loans Get Current Rates Lower rates mean you may qualify for a larger home loan. With a variety of terms, and index choices, we can help you find the right loan for your needs. CA properties only. Equity and Home Improvement Loans APR as Low As: Home Equity Line of Credit - Variable 80% LTV 2.99% APR Intro Rate for 6 months for new HELOCs, then 3.99% (Prime + 0) Home Equity Line of Credit - FLEX HELOC 80% LTV 4.99% Home Equity Line of Credit - Non-Owner Occupied 70% LTV 6.00% APR is variable and based on Prime Rate as published in The Wall Street Journal on the last day of the previous month (currently 3.25%). Your actual rate may vary based on your credit history and CLTV. Minimum APR 3.99%. Maximum APR 15%. 20-year draw/repayment period with no annual fee. $499 opening fee for 2nd trust deeds or $799 for 1st trust deeds (waived if $5,000 initial advance is taken and account remains open for 3 years), plus recording fees. Certain restrictions apply. Appraisal fee may be required. Owner-occupied, CA properties only. $200,000 maximum loan amount. Not available for purchases. Payment example, 6 monthly payments of $5.50 for each $1,000 borrowed, followed by 234 monthly payments of $6.06 for each $1,000 borrowed. If only minimum payments are made, a balloon payment will result. FLEX HELOC: Introductory APR is fixed for 5 years or until an additional advance is made (whichever comes first), then add 1% margin to index (currently 4.25%). Your actual rate may vary based on your credit history and CLTV. Minimum APR 4.99%. For Non Owner Occupied: APR is variable and based on Prime Rate as published in The Wall Street Journal on the last day of the previous month, plus 1.5% (currently 4.75%). Your actual rate may vary based on your credit history and CLTV. Minimum APR 6%. Maximum CLTV 70%. $799 opening fee (waived if $5,000 initial advance is taken and account remains open for 3 years), plus recording fees. Upfront borrower-paid appraisal required. Loan must be in first position. $100,000 maximum loan amount. If only minimum payments are made, a balloon payment will result. Roof Equity Loan 5yrs 10yrs 3.99% 5.25% Payment example: 120 payments of $10.74 per $1,000 borrowed. Fixed Owner Occupied 5yrs 10yrs 15yrs 20yrs 5.49 - 7.49% 5.74 - 7.74% 5.99 - 7.99% 5.99 - 7.99% plus recording fees Your actual rate may vary based on your credit history and CLTV. Maximum LTV 80%. Maximum loan amount $200,000. $499 fee (waived if loan is kept open for at least 3 years). No points. Appraisal fee may be required. CA properties only. Add 1 point for piggyback loans. Payment example: 240 payments of $7.17 per $1,000 borrowed. 720+ FICO required for lowest rates. Fixed Non-Owner Occupied 5yrs 10yrs 12yrs 8.49% 8.75% 8.99% 70% of appraisal less 1st T.D. Maximum loan amount $100,000. 12 year maximum term. $724 fee +1 point. CA properties only. Payment example: 60 payments of $21 per $1,000 borrowed. Home Improvement Loan 5yrs 10yrs 15yrs 20yrs 6.99 - 8.99% 7.49 - 9.49% 7.74 - 9.74% 7.99 - 9.99% Maximum CLTV 95% for allowable home improvements. 2nd or 3rd Trust Deed required. Interest may be tax deductible (consult your tax advisor). Minimum loan amount $7,500; max. $30,000 ($50,000 for solar). $699 fee (waived if loan is kept open for at least 3 years). No points. Borrower is responsible for credit report fee and cost of appraisal. Owner-occupied CA properties only. Add 1% to rates for 3rd Trust Deed (waived for loans of $30K or less with a term of 5 years or less). Payment example: 180 payments of $9.42 per $1,000 borrowed. 30-Year 7/1 ARM • Fixed for 7 80% LTV 6.24 - 6.74% Rate is fixed for 7 yrs, then adjusts annually based on the 1-Year Treasury Bill plus 3%. Maximum LTV 80%. Maximum loan amount $200,000. $499 fee (waived if loan is kept open for at least 3 years), plus recording fees. Owner-occupied, CA properties only. No points and no repayment penalties. Add .50% for Jumbo loans. Maximum lifetime adjustment 10%. Add 1 point for piggyback loans. Payment example: 84 payments of $6.17 per $1,000 borrowed, then 276 payments of $13.63 per $1,000 borrowed. 700+ FICO for lower rates. Auto & RV Equity Loans Same Great Rates and Terms as New/Used Vehicle Rates and New/Used RV Rates Available for purchases and refinances. No equity required. Enjoy our longest term for higher balance loans, to keep your payments on budget. Ask your branch for details. Owner-occupied, CA properties only. $455 processing fee. EZ Equity Loan/Line of Credit EZ Equity Loan 5yrs 10yrs 15yrs 6.74% 7.24% 7.74% 100% of most recent Sacramento, Placer and Nevada County Assessor’s value less 1st T.D. Must have owned residence for at least 12 months. 15-year maximum term. Minimum loan amount $5,000. Maximum loan amount $35,000. No points. $724 flat fee. Payment example: 120 payments of $11.74 per $1,000 borrowed. EZ Equity Line of Credit 4.75% 20-year maximum term. APR is variable and based on Prime Rate as published in The Wall Street Journal on the last day of the previous month. Variable rate based on Prime +1.5%. Minimum APR 3.99%. Maximum APR 18%. Must have owned residence for at least 12 months. $724 flat fee and $45 annual fee. Payment example: 240 payments of $6.47 per $1,000 borrowed. If only minimum payments are made, a balloon payment will result. Land Loans (CA properties only) Fully Improved (water, sewer, utilities) Up to 15 years 6.25% Up to 70% of value. Variable rate based on Prime Rate as quoted in The Wall Street Journal on the last day of the previous month +3.00%. Maximum loan amount $150,000. Minimum APR 6%. Maximum APR 12%. 5-acre parcel maximum. Residential zoning. Fees: 1 point plus appraisal, title, escrow, and $520 processing. Payment example: 180 payments of $8.58 per $1,000 borrowed. Unimproved Up to 15 years 6.75% Up to 60% of value. Variable rate based on Prime Rate as quoted in The Wall Street Journal on the last day of the previous month +3.50%. Maximum loan amount $150,000. Minimum APR 6%. Maximum APR 12%. 5-acre parcel maximum. Residential zoning. Fees: 1 point plus appraisal , title, escrow, and $520 processing. Payment example: 180 payments of $8.86 per $1,000 borrowed. Taxes and insurance are not included in your payment example; your actual payment will be higher. APRs, rates, terms and offers accurate as of 12/04/2021 and subject to change without notice. Apply Online I was happy with the process. The team is obviously very busy but tried to keep communication clear and timely. I'm happy to say this is my second home loan through First U.S. and will definitely consider using you again in the future. - Michael M. 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