Current Residential Mortgage Rates for Purchase

Finding the right mortgage financing for your home is one of the most important decisions you will make. FCB's team of experienced mortgage professionals will walk you throughout the entire process. The interest rate table below is updated daily, Monday through Friday (excluding holidays), to give you the most current rates. Additional rates and loan programs are available; please contact an FCB Mortgage Professional at 877.313.9103 to discuss your options.

Mortgage Interest Rates and Annual Percentage Rates (APRs) Effective: Tuesday, December 11th, 2018 at 10:00 AM

APR Examples

The following Annual Percentage Rate (APR) examples are for a typical transaction and are only examples. The APR shown is based on the interest rates and estimated finance charges only and does not take into account other loan specific costs you may be required to pay.

Loan amount of $250,000 will result in these monthly payments:

Estimated Payments*
Fixed Rate Loans - Loan Amount $453,100 and underRateAPR**# of MonthsRateAmount
Conventional 15 Year Fixed Rate No Points4.375%4.489%179N/A$1,896.55
Conventional 30 Year Fixed Rate No Points 4.625%4.691%359N/A$1,285.35

Loan amount of $600,000 will result in these monthly payments:

Estimated Payments*
Loan Amount greater than $453,100RateAPR**# of MonthsRateAmount
Specialty 30 Year 10/1 Libor ARM No Points (Variable Adjustable Rate)4.125%4.704%1204.125%$2,907.90
Specialty 30 Year Fixed Jumbo No Points4.500%4.527%3594.500%$3,040.11

*Monthly payments shown are principal, interest and estimated finance charges and do not include amounts for closing costs, Private Mortgage Insurance (PMI), taxes, insurance or other applicable escrows. Your actual payment obligation will be higher. Adjustable rate mortgages (ARMs) have interest rates/APRs which are subject to increase after consummation. Estimated future payments shown are based on current index plus margin (one-year LIBOR plus 2.50%). Actual payments will reflect then-applicable index/margin at each re-pricing interval, which may be higher than the estimates shown above.


  • Purchase loan.
  • Single family residential first mortgage.
  • Collateral property must be residential property in Florida.
  • Down payment of 25%.
  • Loan-to-value (LTV) ratio of 75%.
  • Credit score is 740 or above.
  • Mortgage rate lock period of 45 days.

These assumptions are subject to change without notice. Rates and APRs may be adjusted based on several factors including, but not limited to, loan amount, loan type, property type, loan-to-value, individual borrower credit score and income characteristics, market conditions and other variables. Your final rate and APR may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply for a residential mortgage loan. These estimates do not constitute and are not a substitute for a Loan Estimate, which includes an estimate of closing costs that you will receive once you apply for a loan. Your actual rate, payment and costs could be higher. Get an official Loan Estimate before choosing a loan. All credit applications are subject to standard credit underwriting guidelines and approvals.

**The Annual Percentage Rate (APR), is the cost of credit over the term of the loan expressed as an annual rate.
Rates and terms are subject to change without notice.

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