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Home Loans

Current Mortgage Rates:

Type Rate APR Initial Rate Lock
15 Year Fixed 5.875% 5.876% Life of Loan
30 Year Fixed 6.125% 6.126% Life of Loan
1 Year ARM - as low as 5.20% 5.70% 1 Year
1 Year ARM - as low as 5.95% 5.80% 3 Years
1 Year ARM - as low as 6.35% 5.99% 5 Years
1 Year ARM - as low as 6.55% 6.08% 7 Years
1 Year ARM - as low as 6.75% 6.19% 10 Years
15 Year ARM Special* 6.35% 6.35% 10 Years

APR is Annual Percentage Rate. Rates effective November 20, 2008; subject to change at any time. The rates shown are available to borrowers with an excellent credit history.  Rates and fees may vary based on such factors as credit scores, loan-to-value ratio, type of property, loan type, and the presence of secondary financing. On ARM loans the APR may increase or decrease, according to the index, after the initial rate lock period. The rates shown are for single family, owner-occupied properties. All loans require 20% down to avoid private mortgage insurance (PMI).
*One adjustment only after 10 years, maximum adjustment 1%

Home Equity Line of Credit:

APR* APR w/
Checking		 Loan to Value
5.00% 5.00% 80% or less
5.00% 5.00% 81% to 90%

* All rates shown at lowest available interest. Rates subject to change.
** FVSB is limited to making home equity loans in Wisconsin.

If you currently have no equity in your home, you may want to consider a personal loan from FVSB.

Current Construction Loan Rates:

Type Rate APR Initial Rate Lock
15 Year Fixed 6.65% 6.66% Life of Loan
30 Year Fixed 6.95% 6.96% Life of Loan
1 Year ARM - as low as 5.25% 5.18% 1 Year
1 Year ARM - as low as 5.95% 5.80% 3 Years
1 Year ARM - as low as 6.35% 5.97% 5 Years
1 Year ARM - as low as 6.75% 6.19% 10 Years
15 Year Arm Special* 6.35% 6.20% 10 Years

APR is Annual Percentage Rate. Rates effective November 20, 2008; subject to change at any time. On ARM loans the APR may increase or decrease, according to the index, after the initial rate lock period. The rates shown are for single  family, owner-occupied properties. Ask for information about investment properties, vacation homes, and commercial real estate.