Mortgage Loan Rates

 Current Loan Rates Effective November 4, 2020

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Fixed Rate Mortgage Loans

Term	Rates	Points	APR
30 year fixed	3.250%	0.875	3.329%
30 year fixed	3.125%	1.25	3.233%
20 year fixed	3.125%	.75	3.221%
20 year fixed	3.000%	1.25	3.151%
15 year fixed	3.000%	-0.250	2.979%
15 year fixed	2.875%	0.375	2.943%

Jumbo Fixed Rate Mortgage Loans

Term	Rates	Points	APR
30 year fixed	3.375%	0.875	3.457%
30 year fixed	3.250%	1.25	3.361%
20 year fixed	3.250%	.75	3.350%
20 year fixed	3.125%	1.25	3.280%
15 year fixed	3.125%	-0.250	3.108%
15 year fixed	3.000%	0.375	3.072%

Adjustable Rate Mortgage Loans

3/1 Adjustable Rate Mortgage²

Rate fixed for 3 years Adjusts annually thereafter 1% annual rate cap Lifetime rate cap 4%.
Term	Initial Rate		Points	APR	Fully Indexed Rate	Maximum Interest Rate	Months to First Rate Adjustment
30 year	3.125%		0	2.939%	2.880%	7.125%	36 months
30 year	2.875%		.75	2.943%	2.880%	6.875%	36 months

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Land Loans¹

Term	Rates	Points	APR	P&I Payment
15 year fixed	8.500%	0	8.524%	$1,230.92

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FHA/VA Loans³

Contact one of our Mortgage Loan Officers

Loan rates are based on a purchase loan amount of $135,000 at 75% LTV with excellent credit. Private Mortgage Insurance is required with less than 20% down payment and the addition of Private Mortgage Insurance will increase the APR.

Mortgage interest rates are subject to change at any time and without notice based on market fluctuations. The rate and term offered to members may differ from the rates reflected above based on the credit history, final loan-to-value, and mortgage loan program.

Jumbo mortgage loans are mortgages in excess of $510,400 up to a maximum of $3,000,000 per loan. Jumbo financing is available up to 95% loan to value. Jumbo mortgage loan rates are based on a purchase loan amount of $750,000. at 75% LTV with excellent credit. Private Mortgage Insurance is required with less than 20% down payment and the addition of Private Mortgage Insurance will increase the APR.

Condominium financing is available up to 95% loan to value.

Manufactured Home/Land (MH/Land) mortgages available up to $510,400.

1 Maximum LTV 80%.

2 Not eligible for Manufactured Home/Land

3 Rate changes daily

Product offers, rates, terms and other information provided herein are subject to change without notice. Due to the occasional inaccessibility to our website which may be beyond our control, VyStar cannot guarantee the completeness or accuracy of the information provided herein. The information provided to you on our calculators is estimated and provided solely for your interactive enjoyment. The results are not guaranteed to be accurate. To verify current offers and rates, please call 904-777-6000 or 800-445-6289, option 9.

Initial Rate on an adjustable rate loan: The interest rate that is fixed for some specified number months at the beginning of the loan term.

Annual Percentage Rate (APR): The rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance (if applicable), and discount points based on $135,000 loan amount. VyStar pays closing costs up to $5,000 (excludes discount points prepaid interest, private mortgage insurance premium, home owner association fees, home inspections - including but not limited to wood destroying organism, roof and structural engineering and condo document fees and/or monies necessary to fund the escrow account).

Fully Indexed Rate: The current index value plus the margin on an adjustable rate loan.

Maximum Interest Rate: The maximum rate that may occur on your adjustable rate loan.

Months to first rate adjustment: The period of time before your interest rate will adjust on an adjustable rate loan.