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LincolnWay Community Bank offers a variety of residential mortgage loan programs to meet your needs.

  • Conventional
  • FHA
  • VA
  • USDA
  • 203K
  • HARP 2.0

**Rate are subject to change at anytime**

**Payments do not include amounts for taxes and insurance premiums. If applicable, actual payment obligation may be greater.**

**Conventional rates posted are based on an 80% loan to value ratio**

**FHA rates posted are based on the maximum allowable loan to value ratio of  96.50%**

**Refinance transactions that receive cash to pay off a second mortgage or home equity line of credit  may have an increased interest rate**

**Refinance transactions that receive cash to consolidate consumer debt may have an increased interest rate**

**DU Refi Plus Fixed Rate (HARP 2.0) rates are subject to change based on Loan to Value ratios**

We will promise that your rates and fees will be fair and competitive in the market. We want you to understand each cost and how it was determined. You will work with a team of mortgage professionals that will work to make your mortgage experience as simple as possible.

 
30 Year Fixed Rate Conforming
20 Year Fixed Rate Conforming
15 Year Fixed Rate Conforming
10 Year Fixed Rate Conforming
30 Year Fixed Rate FHA
15 Year Fixed Rate FHA
DU Refi Plus 30 Year Fixed (HARP 2.0)

Rates last updated on Monday, December 17, 2018

30 Year Fixed Rate Conforming
Term: 30 years   Maximum Amount: $453,100
RatesAPRPointsPayment
4.625%4.694%0%$1,285.35
 

Monthly payments is based on principal and interest on a loan amount of $250,000.


20 Year Fixed Rate Conforming
Term: 20 years   Maximum Amount: $453,100
RatesAPRPointsPayment
4.5%4.594%0%$1,581.62
 

Monthly payments is based on principal and interest on a loan amount of $250,000.


15 Year Fixed Rate Conforming
Term: 15 years   Maximum Amount: $453,100
RatesAPRPointsPayment
4.375%4.495%0%$1,896.55
 

Monthly payments is based on principal and interest on a loan amount of $250,000.


10 Year Fixed Rate Conforming
Term: 10 years   Maximum Amount: $453,100
RatesAPRPointsPayment
4.25%4.422%0%$2,560.94
 

Monthly payments is based on principal and interest on a loan amount of $250,000.


30 Year Fixed Rate FHA
Term: 30 years   Maximum Amount: $365,700
RatesAPRPointsPayment
4.375%4.443%0%$1,248.21
 

Monthly payments is based on principal and interest on a loan amount of $250,000.


15 Year Fixed Rate FHA
Term: 15 years   Maximum Amount: $365,700
RatesAPRPointsPayment
3.875%3.993%0%$1,833.60
 

Monthly payments is based on principal and interest on a loan amount of $250,000.


DU Refi Plus 30 Year Fixed (HARP 2.0)
Term: 30 years   Maximum Amount: $453,100
RatesAPRPointsPayment
4.75%4.82%0%$1,304.12
 

Monthly payments is based on principal and interest on a loan amount of $250,000.



**APR is defined as Annual Percentage Rate**

**Rates and terms are subject to change without notice**

**All offers are subject to credit approval**

**Posted Rates and APR are calculated with 0 points** Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $453,100 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 $250,000 with closing costs of $2,000. Jumbo Loans (whose maximum loan amount exceed $453,100 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 $10,000. Your actual APR may be different depending upon these factors.