Purchasing a Home?
Purchasing and selecting a new home is one of the most important decisions we make in our lifetime. Choosing the right lender can make the process pleasant, interesting, and much less stressful. Southside Bank can help you turn your dreams into reality by meeting your current and future financial needs.
Looking to Refinance?
There has never been a better time to refinance. Rates are at the lowest point in years. Southside Bank offers low rates, fast closings and friendly service. Let us help you select the mortgage that's right for you.
Current Rates
Listed below are Southside Bank's interest rates for mortgage loans. These rates are provided only to give you an idea of the interest rates and discount points available to our mortgage customers. Keep in mind that in order to determine the actual interest rate and points you will pay, you will need to submit a formal mortgage loan application and meet with a mortgage loan specialist.
The interest rate and points you will pay are based on many factors, such as: the loan program you choose, the term of the loan, your credit profile, the loan-to-value , as well as other specific parameters of your loan transaction that cannot be factored into the below listed rates.
For questions about Southside Bank's rates, please contact a mortgage loan specialist.
Rates below are based on Conforming Loan Amounts between
$100,000 to $417,000
Interest Rates are subject to change and are dependent upon credit rating.
Rates effective 05/17/2012
| Loan Program |
Rate |
Points |
* APR |
| 30 Year Fixed |
3.875% |
0% |
3.988% |
| 30 Year Fixed |
3.625% |
1% |
3.819% |
| 15 Year Fixed |
3.000% |
0% |
3.197% |
| 15 Year Fixed |
2.875% |
1% |
3.217% |
| FHA-30 Year Fixed |
3.750% |
0% |
4.237% |
| FHA 15 Year Fixed |
3.000% |
0% |
3.546% |
| VA 30 Year Fixed |
3.750% |
0% |
4.237% |
| VA 15 Year Fixed |
3.000% |
0% |
3.546% |
| Portfolio 5/1 ARM - 30 Year |
2.922% |
0% |
3.442% |
| Portfolio 5/1 ARM - 15 Year |
2.951% |
0% |
3.473% |
| Portfolio 30 Year Fixed |
3.875% |
0% |
4.053% |
| Portfolio 15 Year Fixed |
3.000% |
0% |
3.174% |
Rates below are based on Fixed Rate Jumbo Loan Amounts between
$417,001 to $1,000,000
|
Loan Program |
Rate |
Points |
* APR |
|
Portfolio 30 Year- Jumbo |
4.375% |
0% |
4.308% |
|
Portfolio 15 Year- Jumbo |
3.625% |
0% |
3.633% |
* = Annual Percentage Rate (APR)