Mortgage Rates
Rates effective as of February 4th, 2012.
| Program | Fee (Point) | Interest Rate | APR* |
|---|
| 30-Yr Fixed | 0 Points (ST) | 3.625% | 3.697% |
| 30-Yr Fixed | 0 Points (SL) | 3.799% | 3.843% |
| 20-Yr Fixed | 0 Points (ST) | 3.500% | 3.580% |
| 20-Yr Fixed | 0 Points (SL) | 3.699% | 3.760% |
| 15-Yr Fixed | 0 Points (ST) | 3.000% | 3.102% |
| 15-Yr Fixed | 0 Points (SL) | 2.999% | 3.075% |
| 7/23 Balloon | 0 Points (ST) | by quote | by quote |
| 7/23 Balloon | 0 Points (SL) | by quote | by quote |
| 5/25 Balloon | 0 Points (ST) | by quote | by quote |
| 5/25 Balloon | 0 Points (SL) | by quote | by quote |
- * Annual Percentage Rate
- American Trust is an equal housing lender.
- All rates quoted are subject to change. Variable rates may increase or decrease after consummation.
- ST = Servicing Transferred (Must make four payments to refinance.) SL = Serviced Locally
- American Trust lends only to customers who reside within a 100-mile radius of Dubuque or Dyersville, Iowa.
- Rates quoted (except First Time Home Buyer) are based upon a $110,000 loan with a 20% down payment, and a 30-year term.
- Quoted interest rates are subject to meeting certain credit standards. Please contact one of our loan originators to determine if you qualify for the quoted interest rate.
| Program | Fee (Point) | Interest Rate | APR* |
|---|
| 30-Yr Fixed | 0 Points (ST) | 3.875% | 3.942% |
| 30-Yr Fixed | 0 Points (SL) | 3.875% | 3.915% |
| 20-Yr Fixed | 0 Points (ST) | 3.750% | 3.824%
|
| 20-Yr Fixed | 0 Points (SL) | 3.875% | 3.931% |
| 15-Yr Fixed | 0 Points (ST) | 3.250% | 3.344% |
| 15-Yr Fixed | 0 Points (SL) | 3.250% | 3.321% |
| 7/23 Balloon | 0 Points (ST) | by quote | by quote |
| 7/23 Balloon | 0 Points (SL) | by quote | by quote |
| 5/25 Balloon | 0 Points (ST) | by quote | by quote |
| 5/25 Balloon | 0 Points (SL) | by quote | by quote |
- * Annual Percentage Rate
- American Trust is an equal housing lender.
- All rates quoted are subject to change. Variable rates may increase or decrease after consummation.
- ST = Servicing Transferred (Must make four payments to refinance.) SL = Serviced Locally
- American Trust lends only to customers who reside within a 100-mile radius of Dubuque or Dyersville, Iowa.
- Rates quoted (except First Time Home Buyer) are based upon a $110,000 loan with a 20% down payment, and a 30-year term.
- Quoted interest rates are subject to meeting certain credit standards. Please contact one of our loan originators to determine if you qualify for the quoted interest rate.
| Program | Fee (Point) | Interest Rate | APR* |
|---|
| 6 Month Balloon
Construction Permanent1,3 | 0 Points (SL) | 4.499% | 6.044% |
| 6 Month Balloon
Construction Permanent1 | 0 Points (SL) | 5.250% | 6.801% |
| Jumbo 1 Year Adjustable Rate
Construction Permanent2 | 0 Points (SL) | 5.875% | 3.568% |
| Jumbo 6 Month Adjustable Rate
Construction Permanent2 | 0 Points (SL) | 5.750% | 6.524% |
- * Annual Percentage Rate
- American Trust is an equal housing lender.
- American Trust lends only to customers who reside within a 100-mile radius of Dubuque, Dyersville, Iowa.
- All rates quoted are subject to change. Variable rates may increase or decrease after consummation.
- Conversion fees not included in rates.
- Monthly interest only payments on outstanding principal construction loan balance.
- ¹ The annual percentage rates quoted are based upon a $250,000 loan with a 20% down payment, and a 30-year term.
- ² The annual percentage rates quoted are based upon a $500,000 loan with a 20% down payment, and a 30-year term.
- ³ Rate applies to owner-occupied newly constructed homes only.
