The quotes below are only a sample of the wide variety of loan programs and rates available. To view additional options and program details click here.
Rates effective as of: 1/20/2017 2:53:10 PM (ET).
Additional Fees will apply after the application has been received.
* APR = Annual Percentage Rate.
APR Assumptions: APRs are calculated using loan amounts of $150,000 for Conforming, 95% Cash-Out Refinances, and 1st Time Homebuyer programs; $424,100 for Jumbo programs. APR is a rate that reflects the actual annual cost of a loan and includes the loan interest rate, accrued interim interest, origination charges, attorney's fee, tax service fees, flood certification, and other fees for the Conforming Fixed and ARM programs, 95% Cash-Out Refinances, 1st Time Homebuyer, and Jumbo programs. May be subject to discount fees attributed to mortgage product, loan purpose, credit score and/or LTV. LTV may be reduced if the property is located in a declining market area. For the Conforming Fixed and ARM programs, and Jumbo programs this assumes a monthly repayment and a loan-to-value of 80%. APRs on Adjustable Rate Mortgages (ARM) are subject to increase after consummation at any time and without notice. Adjustments will occur dependent on loan program chosen. ADJ* = Adjustable Rate Index on the 5/1 & 7/1 ARM Programs is tied to the 1-Year Constant Maturity Treasury Security (CMT). The 5/5 ARM Program is tied to the 5-Year Constant Maturity Treasury (CMT). The 7/7 ARM Program is tied to the 7-Year Constant Maturity Treasury (CMT). LGE offers many additional mortgage loan programs. For more information, contact a Mortgage Loan Officer at 770-424-0060. Programs, rates, terms and conditions are accurate as of the above date and are subject to change. Rate Locks are not available with online applications or phone applications until all documentation has been received and verified by the Loan Officer. Your Loan Officer will contact you when your file is ready to lock. Rate locks are available Monday- Friday from 10:00 am - 4:30 pm and are based on current market rates. Mortgage products are subject to change and LGE reserves the right to modify or cease mortgage programs at any time. Index: 1 Year CMT: 0.70; 5 Year CMT: 1.42; 7 Year CMT 1.75.
APR Assumptions for HELOC:
1May consider loan amounts greater than $100,000.00. Contact the Mortgage Dept. at 770-424-0060 to inquire further. Loan up to 80% Total Loan to Value.
2"As Low As" rates listed are our best rates based on approved credit. The actual rate offered may be higher depending on applicant's credit rating and other underwriting factors. Balloon payment will result if interest only payments are made. Adequate property and flood insurance is required. A home equity line of credit is only available to members in an owner-occupied residence in the State of Georgia. Since our line is secured by the equity in your home, the interest you pay may be tax deductible. Consult with your tax adviser regarding the deductibility of interest.
Home Equity Line of Credit: APRs on Adjustable Rate Mortgages (ARM) are subject to increase after consummation and without prior notice. Programs, rates, terms and conditions are accurate as of above date and are subject to change. LGE offers many additional mortgage loan programs. For more information, contact a Mortgage Loan Officer at 770-424-0060.
3The rate is a variable rate adjusted to the Prime Rate monthly based on the Wall Street Journal's Prime Rate. As of 1/1/2017, the Prime Rate is 3.75%. (loan is subject to a floor rate of 3.00%)
4APR = Annual Percentage Rate - Minimum APR 3.00%. Maximum - APR is 18%.
Please use our Check Rates page for estimated payment amounts.