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Products
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.
 
15 Year Fixed Rate Zero Points
15 Year Fixed Rate One Point
20 Year Fixed Rate Zero Points
20 Year Fixed Rate One Point
30 Year Fixed Rate Zero Points
30 Year Fixed Rate One Point
1/1 Conforming ARM
3/1 Conforming ARM
5/1 Conforming ARM
1/1 Non-Conforming ARM

Rates last updated on Friday, May 18, 2012

15 Year Fixed Rate Zero Points
Term: 15 years   Maximum Amount: $417,000
RatesAPRPoints
3.125%3.225%0%

15 Year Fixed Rate One Point
Term: 15 years   Maximum Amount: $417,000
RatesAPRPoints
3%3.1%1%

20 Year Fixed Rate Zero Points
Term: 20 years   Maximum Amount: $417,000
RatesAPRPoints
4%4.08%0%

20 Year Fixed Rate One Point
Term: 20 years   Maximum Amount: $417,000
RatesAPRPoints
3.625%3.819%1%

30 Year Fixed Rate Zero Points
Term: 30 years   Maximum Amount: $417,000
RatesAPRPoints
3.875%3.932%0%

30 Year Fixed Rate One Point
Term: 30 years   Maximum Amount: $417,000
RatesAPRPoints
4%4.142%1%

1/1 Conforming ARM
Term: 20 years   Maximum Amount: $417,000
RatesAPRPoints
3%3.076%0%

3/1 Conforming ARM
Term: 20 years   Maximum Amount: $417,000
RatesAPRPoints
3.125%3.114%0%

5/1 Conforming ARM
Term: 20 years   Maximum Amount: $417,000
RatesAPRPoints
3.625%3.371%0%

1/1 Non-Conforming ARM
Term: 20 years   Maximum Amount: $417,000
RatesAPRPoints
6%4.752%0%



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 $2,000. 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 $3,000. Your actual APR may be different depending upon these factors.