Loan Rates and Terms

Effective as of 11/08/2024   All loan requests are subject to credit approval.

RESIDENTIAL MORTGAGES - maximum conforming loan amount up to $647,200.00

Additional Residential Mortgage Loan Information

Other rates and terms available on Jumbo Mortgages.

Additional Rate Factors

Your actual interest rate and annual percentage rate may be higher depending on your credit history, loan to value, down payment, property value, property type, loan purpose and income to debt ratios. Cash-Out refinance rate will increase by 0.125% if a minimum of $50,000 additional money is not borrowed.

Mortgage loan payments described may be increased by the inclusion of property taxes, hazard or flood insurance and private mortgage insurance, if applicable.

CONSUMER LOANS

Consumer Loan Information and Terms

Disclosures

*APR = Annual Percentage Rate

**ARM rates assume no increase in the financial index after the initial fixed period.

***Consumer Loans - Add .50% if the loan payment is not automatically deducted from a Franklin Bank checking account.
Rates are subject to change.

****Add .50% to the rate for a 72 month term for new cars only.

*****The floor is 4.000%.

Fixed loan rates are fixed for the life of the loan

Additional Loan Disclosures available. Click this link for additional information.

First Lien Home Equity Loan payments do not include taxes and insurance and the actual payment obligation will be greater.

Click here for the 1Yr. ARM Disclosure.

Click here for the 5/1 Yr. ARM Disclosure.

Click here for the 7/1 Yr. ARM Disclosure.

Click here for the Home Equity Line of Credit Disclosure.

All of the above rates and terms are subject to change without notice.