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West Plains Bank and Trust Company offers a variety of loan programs to meet your needs. Be sure to ask for a disclosure of all fees before making a loan decision.  Comparing APR's is a good way to decide between loans with differing terms.  These rates are guidelines only.  The actual rates may vary more or less than the listed rates below.

The quoted Annual Percentage Rate (APR) calculation assumes a $100,000 loan amount with 20 percent down payment, an anticipated 30-day rate lock period and paid finance charges of 1%. If the down payment is less than 20 percent, mortgage insurance may be needed, which could increase the APR. Rate adjustments may apply based on credit score and loan purpose. Rates are guidelines only. The actual rates may vary more or less than the listed rates below. For specific daily rates and conditions, please contact one of our mortgage lenders.

 
15 Year Fixed Rate Zero Points
20 Year Fixed Rate Zero Points
30 Year Fixed Rate Zero Points

Rates last updated on Friday, October 31, 2014

15 Year Fixed Rate Zero Points
Term: 15 years   Maximum Amount: $417,000
RatesAPRPoints
3.375%3.744%0%
 

 

This loan will amortize over a period of 15 years (180 months) at a fixed, or level payment of principal and interest for the life of the loan.  Your monthly principal and interest payment based on a loan amount of $100,000 for 15 years is $690.58.

 


20 Year Fixed Rate Zero Points
Term: 20 years   Maximum Amount: $417,000
RatesAPRPoints
3.875%4.166%0%
 

 

This loan will amortize over a period of 20 years (240 months) at a fixed, or level payment of principal and interest for the life of the loan. Your monthly principal and interest payment based on a loan amount of $100,000 for 20 years is $592.89.

 


30 Year Fixed Rate Zero Points
Term: 30 years   Maximum Amount: $417,000
RatesAPRPoints
4.125%4.338%0%
 

 

This loan will amortize over a period of 30 years (360 months) at a fixed, or level payment of principal and interest for the life of the loan. Your monthly principal and interest payment based on a loan amount of $100,000 for 30 years is $447.42.

 




Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $100,000 with closing costs of $2,500. Jumbo Loans (whose maximum loan amount exceed $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $500,000 with closing costs of $5,000. Your actual APR may be different depending upon these factors.