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Loan Rates

Rates as of February 16, 2018

Mortgage Loan Products

All rates and terms are subject to change without notice. All loans are subject to credit approval.

Conventional Fixed Rate Loan (Monthly Payment**) with 30 Day Lock In
TermAPR*Interest RateMonthly Payment
15 Year (Max 90% L-T-V)4.303%4.125%$596.77
20 Year (Max 90% L-T-V)4.515%4.375%$500.74
30 Year (Max 90% L-T-V)4.728%4.625%$411.31
Rural Development4.772%4.250%$526.15
Above rates may be adjusted for credit score, loan to value or cash out transactions. Rural Development is sale price of $100,000. U.S.D.A. Rural Development loan rates based on Fannie Mae 90 day rate plus 60 basis points.
In House Adjustable Rates
TermAPR*Interest RateMonthly Payment
3/3 ARM (30 Year Amortization)4.734%4.250%$393.55
3/1 ARM (30 Year Amortization)4.734%4.250%$393.55
5/1 ARM (30 Year Amortization)5.073%4.750%$413.91
7/1 ARM (30 Year Amortization)5.206% 5.100% $432.49

*Examples are based on a $100,000 home with 20% down and a loan of $80,000. Base price assumes a 740 FICO credit score & 80% loan to value.

** Payment does not include amounts for taxes or insurance premiums. The actual payment may be greater.

Use our Mortgage Payment Calculator in the “Tools and Calculators” section at the bottom of this page to estimate payments or loan amounts.

Home Equity Products

Sauk Valley Bank offers Variable Rate and Fixed Rate Loans. For more information, contact one of our Mortgage Loan Officers today.

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