El Dorado Savings Bank

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Loan Rates

Rates and Yields are Accurate as of: June 16, 2017
(Rates Subject to Change Daily)

Fixed Rate Loans - Purchase & Refinance

Loan Type Interest Rate Annual Percentage Rate
Points Monthly Payments Term
5 Year
2.375% 3.16% 1.00% $17.69 per $1000.00 60 Mos.
5 Year Conforming 2.625% 3.01% None $17.80 per $1000.00 60 Mos.
10 Year
2.500% 2.91% 1.00% $9.42 per $1000.00 120 Mos.
10 Year Conforming 2.750% 2.95% None $9.54 per $1000.00 120 Mos.
15 Year
2.625% 2.90% 1.00% $6.72 per $1000.00 180 Mos.
15 Year Conforming 2.875% 3.01% None $6.84 per $1000.00 180 Mos.
20 Year 3.375% 3.60% 1.00% $5.73 per $1000.00 240 Mos.
20 Year Conforming 3.625% 3.73% None $5.86 per $1000.00 240 Mos.
30 Year 3.625% 3.78% 1.00% $4.56 per $1000.00 360 Mos.
30 Year Conforming 3.875% 3.95% None $4.70 per $1000.00 360 Mos.

 

Fixed Rate Loans - Construction

Loan Type Interest Rate Annual Percentage Rate
Points Monthly Payments Term
2 Year Interest Only n/a n/a n/a n/a n/a

 

Equity Line of Credit - Fixed for First 5 Years*

Loan Type Interest Rate Annual Percentage Rate
Points Monthly Payments Term
20 Year Conforming 4.25% 4.25% n/a n/a 240 Mos.

 

Equity Line of Credit - Adjustable*

Loan Type Interest Rate Annual Percentage Rate
Points Monthly Payments Term
25 Year Conforming 5.00% 5.00% n/a n/a 300 Mos.

*Other lender's first deed of trust may not exceed $200,000.

  • Conforming: Maximum loan, borrower and property meet Freddie Mac/Fannie Mae standards.
    Individual rates offered may vary due to, for example; loan amount, customer's qualifications and credit, property type, occupancy, use and other factors. Programs, rates, terms and conditions are subject to change at any time without notice. Rates are set at the time the loan commitment is issued.
  • For more information on these loan programs, call, write, or email us for a copy of the applicable "Loan Disclosure Notice", or for a loan application package.
  • For information on additional loan programs not listed, call any El Dorado Savings Bank office.
  • Loans are available in the following California counties: Amador, Calaveras, El Dorado, Inyo, Nevada, Placer, Sacramento and Tuolumne. Loans are also available in Douglas County; Carson City County; and Incline Village, Sparks and Reno areas in Washoe County, Nevada. Check our Locations for our branch offices located in these counties.
  • 20% minimum cash down payment required on purchase loan.
  • 20% minimum equity required on construction loan.
  • 25% minimum equity required on refinance loan.

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