Territorial’s mortgage loan experts are available to assist you – when it’s convenient for you. You can call any of our experienced
Branch Managers or our “on the road” Executive Loan Officers to help you decide which mortgage loan is best for you.
Territorial Savings offers a variety of residential loan options.
Below are the terms and rates of our fixed rate loan programs.
© Bank of Hope, NMLS #794513. Rates and APR (Annual Percentage Rate) is based on loan amount and points paid by the borrower. Mortgage rates are subject to change daily. Actual payments will vary based on your individual situation and current rates. Some products may not be available in all states. Above rates are based on the purchase and refinance of a primary residence. Credit and collateral subject to approval. Cannot combine with any other specials. Payment example does not include taxes and insurance payments. Rates and APR example assumes – Conforming $560,000 Loan Amount at 70% LTV (Loan-to-Value) and 35% DTI (Debt-to-Income) with a 780 FICO. Jumbo $1,500,000 Loan Amount at 70% LTV and 35% DTI with a 780 FICO.
ARM (Adjustable-Rate Mortgage) interest rates and payments are subject to increase after the initial fixed-rate period (7 years for a 7/6m ARM, and 10 years for a 10/6m ARM; the 6m shows that the interest rate is subject to adjustment once every six months thereafter).
Points are defined as upfront costs paid by the borrower at the time of closing to receive a lower interest rate. Points are calculated in relation to the loan amount. Each point equals one percent of the loan amount.
The Fees are a total of points charged for the rate based on loan amount on disclosure along with the following estimated fees: Application Fee, Credit Report Fee, Flood Certificate, and Tax Service Fee.
Application Fees are as follows: $1,495.00 for all products. Rates and APRs stated above are as of the rate sheet posted date. Terms may vary, conditions and restrictions apply. Actual rate for the loan is determined at the time of rate lock based upon program and terms requested. Rates and terms are subject to change without notice.
