Mortgage

Fixed Rate LoansRates Effective: 10/15/2019

Program Name Rate APR* Payment
15 Year Fixed3.125%3.335%$1219.07
20 Year Fixed3.625%3.792%$1026.21
30 Year Fixed3.750%3.871%$810.45
Land Loan8.740%9.014%$1748

Adjustable Rate Mortgage (ARM)Rates Effective: 10/15/2019

Program Name Rate APR* Payment
10/1 ARM3.375%4.533%$773.67
7/1 ARM3.125%4.677%$749.66
5/1 ARM3.125%4.838%$749.66

Government LoansRates Effective: 10/15/2019

Program Name Rate APR* Payment
30 Year Federal Housing Administration (FHA)3.750%4.816%$810.45
USDA-Rural Dev (USDA-RHS)3.750%4.253%$810.45
Veterans Administration (VA)3.750%3.996%$810.45

Refinance $500 Closing Cost SpecialRates Effective: 10/15/2019

Program Name Rate APR+ Payment
10/1 ARM Refi3.375%4.421%$773.67
7/1 ARM Refi3.125%4.564%$749.66
5/1 ARM Refi3.125%4.723%$749.66
5 Year Fixed3.750%3.814%$3203.19
7 Year Fixed3.750%3.796%$2371.95
10 Year Refi3.750%3.783%$1751.07
15 Year Fixed3.750%3.773%$1272.64

*APR = Annual Percentage Rate. Automatic payment is required. Principal & interest payment based on loan amount of $175,000. SPIRE does escrow for taxes or insurance. Payment estimates do not include taxes or insurance; actual payments may be higher. Maximum loan amount is $750,000. Minimum loan amount is $15,000. Property must be the primary or secondary residence and property insurance is required. Residential properties only located in MN or WI. Appraisal required. If the loan does not close, the cost of the appraisal will not be refunded. Rates and terms are subject to qualification and may change at any time. Borrower must meet membership requirements to qualify. Other restrictions may apply. See your tax advisor for details regarding interest deductibility.

+APR =  Annual Percentage Rate. Automatic payment is required. Principal & interest payment based on loan amount of $175,000. SPIRE does escrow for taxes or insurance. Payment estimates do not include taxes or insurance; actual payments may be higher. Minimum Loan amount is $15,000 and Maximum loan amount is $750,000. A minimum of $10,000 must be new money at SPIRE. Property must be the primary or secondary residence and property insurance is required. Residential properties only located in MN or WI. Commercial, agriculture and large acreage properties excluded from offer. SPIRE member responsible to pay $500 toward closing costs, which includes the cost of the required appraisal. If the loan does not close, the cost of the appraisal will not be refunded. SPIRE will pay closing costs in excess of $500.00 and does not include the fee for a potential subordination agreement or the cost to change fee ownership. Offer subject to termination at any time. Rates and terms are subject to qualification and may change at any time. Borrower must meet membership requirements to qualify. Other restrictions may apply. See your tax advisor for details regarding interest deductibility.

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