Interest Rates As Low As:

 

As of  November 13,  2018

30 Year Fixed 5.000%

APR 5.116%

 

20 Year Fixed 4.750%

APR 4.903%

 

15 Year Fixed 4.375%

APR 4.563%

 

15 Year Home Improvement Fixed Equity 4.500%

APR 4.500%

 

Home Equity Line of Credit  5.250%

 

Please ask our Mortgage Loan Originators about all of our Mortgage Loan options!

 

Example: 30 year fixed rate mortgage for $165,000 at 5.000% (5.116% APR) with 20% down payment the principal and interest payment is $885.76 per month. Taxes and Insurance not included, your actual payment obligation will be higher.

Fulton Savings Bank offers a variety of loan programs to meet your needs.
 
Construction Loan
Renovation
Fixed Rate
FHA
USDA
Investment
HELOC
Fixed Equity

Construction Loan

One close draw construction

Be your own general contractor (Self Build) or hire a contractor

The Appraisal is based on "as completed"

Maximum Amount: $424,100

Renovation

Fixed Interest Rate

Primary or 2nd Home

Maximum 90% loan to value

Terms 10 - 30 years

Maximum Amount: $424,100

Fixed Rate

Fixed interest rate

Maximum 95% loan to value

Terms 10 - 30 years

Maximum Amount: $424,100

FHA

FHA Guidelines

30 year mortgage

Maximum Amount: $424,100

USDA

USDA Guidelines


Maximum Amount: $424,100

Investment

Maximum 75% loan to value

Escrow required

No manufactured homes

10 - 30 year terms

Maximum Amount: $424,100

HELOC

Adjustable Rate

Interest only for the first 20 years

Borrow up to 90% of your home value

Lifetime Cap 16%

Low closing costs

Recapture fee may apply

Term: 20 years   Maximum Amount: $424,100

Fixed Equity

Fixed interest rate

7 - 30 years

Maximum 90% loan to value

Low closing costs

Recapture fee may apply

Maximum Amount: $424,100



Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $424,100 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $8,340. Jumbo Loans (whose maximum loan amount exceed $424,100 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.