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These rates are effective January 21, 2019.
Fixed Rate Mortgages
|15 Year Fixed||3.750%||3.824%||$1,090.83|
|30 Year Fixed||4.375%||4.418%||$748.93|
No discount points. Other terms available. Lower rates available by paying discount points.
Home Equity Fixed
|Name||APR as low as†||Loyalty APR as low as°||Payment|
|10 and Done Fixed Home Equity||4.34%||4.09%||$254|
Adjustable Rate Mortgages
Adjustable Rate Mortgages (ARMs) interest rate is subject to increase after consummation.
No discount points. Margin 2.75%, Caps 2/6, index 1-year LIBOR, 30 year term, 2.75% minimum.
Veterans Affairs (VA) Fixed Rate Mortgage
No discount points.
USDA Rural Development Fixed Rate
|30 Year Fixed||4.375%||4.849%||$748.93|
No discount points.
Construction and Lot Loans
|1 Year Lot Loan Balloon*||3.750%||4.109%||$1,090.83|
|15 Year Fixed||4.000%||4.339%||$1,109.53|
|10 Year ARM**||4.750%||5.580%||$782.47|
|10 Year ARM***||4.250%||5.220%||$737.91|
No discount points unless noted. One-time closing, same interest rate for construction draw period and permanent financing. Other terms available.
*15 year term, 3 year lot loan balloon also available.
**Adjustable Rate Mortgage, interest rate subject to increase after consummation, margin 2.75%, caps 2/6, index 1-year LIBOR, 30 year term, 2.75% minimum.
*** Rate and APR based on 1 discount point. Adjustable Rate Mortgage, interest rate subject to increase after consummation, margin 2.75%, caps 2/6, index 1-year LIBOR, 30 year term 2.75% minimum.
Iowa Financing Authority (IFA) Fixed Rate Mortgage
Rates found on IFA web site.
† APR = Annual Percentage Rate. Loan rates shown as APR, expressed "as low as" and determined by credit score (except home equity loans). Loans subject to credit approval. Rates, terms and conditions subject to change without notice and may vary based on creditworthiness, qualifications, and collateral conditions. Equal Housing Opportunity.
≁ APR = Annual Percentage Rate. All rates are for 45-day rate locks for single-family, owner-occupied transactions with escrows. Rates based on 740 credit score, 75% loan to value and a loan amount of $150,000, rate can vary for other loan amounts. Rates are subject to change without notice. Veridian is not responsible for typographical errors or omissions. Payment examples do not include taxes and insurance; if applicable, payment will be higher. All Veridian mortgages have no origination fees. Other loan terms may be available. Lower interest rates available by paying discount points. Veridian NMLS ID# 531586.