Home Mortgage Loan Rates
Fixed RateRates Effective: 9/2/2025
| Program Name | Rate | APR* | Monthly Payment |
|---|---|---|---|
| 15 Year Fixed | 5.625% | 5.860% | $1441.53 |
| 20 Year Fixed | 5.875% | 6.043% | $1241.17 |
| 30 Year Fixed | 6.375% | 6.522% | $1091.77 |
| 30 Year Fixed - 1% Down Program | 6.500% | 6.633% | $1106.12 |
| 30 Year Fixed Jumbo | 6.500% | 6.543% | $5097.63 |
| 30 Year Fixed - Second Home | 6.500% | 6.633% | $1106.12 |
| Land Loan - 15 Year | 6.875% | 7.097% | $1560.75 |
Adjustable Rate Mortgage (ARM)Rates Effective: 9/2/2025
| Program Name | Rate | APR* | Monthly Payment |
|---|---|---|---|
| 10/1 ARM | 6.000% | 7.041% | $1049.21 |
| 7/1 ARM | 5.750% | 7.180% | $1021.25 |
| 5/1 ARM | 5.500% | 7.322% | $993.63 |
| 10/1 ARM Jumbo | 6.125% | 5.974% | $4900.38 |
Government LoansRates Effective: 9/2/2025
| Program Name | Rate | APR* | Monthly Payment |
|---|---|---|---|
| 30 Year Federal Housing Administration (FHA) | 6.125% | 7.231% | $1063.32 |
| Veterans Administration (VA) | 6.125% | 6.415% | $1063.32 |
*APR = Annual Percentage Rate and monthly payment examples assumes an 75% Loan-to-Value, 780 credit score, and purchase or no cash out refinance. Monthly Principal & interest payment based on loan amount of $175,000 and $806,500 for jumbo loans. Payment estimates do not include taxes and insurance; actual payments may be higher. Maximum loan amount is $1,500,000. Minimum loan amount is $15,000. Property insurance is required. If the loan does not close, the cost of the appraisal will not be refunded. The stated rates are the lowest available and subject to change at any time without notice. Rates are based on credit history, loan-to-value, occupancy, and other factors so your rate may different.
Adjustable Rate Mortgages (ARM) loans have a variable rate therefore the APR may increase after consummation. Borrower must meet membership requirements to qualify. Other restrictions may apply. See your tax advisor for details regarding interest deductibility.
Home Mortgage Refinance Loan Rates
Home Mortgage RefinanceRates Effective: 9/2/2025
| Program Name | Rate | APR* | Monthly Payment |
|---|---|---|---|
| 10/1 ARM Refi - Max $1,500⁺ Closing Costs | 6.000% | 6.848% | $1049.21 |
| 7/1 ARM Refi - Max $1,500⁺ Closing Costs | 5.750% | 7.011% | $1021.25 |
| 5/1 ARM Refi - Max $1,500⁺ Closing Costs | 5.500% | 7.168% | $993.63 |
| 15 Year Fixed Refi - Max $1,500⁺ Closing Costs | 5.625% | 5.657% | $1441.53 |
| 10/1 ARM Jumbo Refi | 6.125% | 5.974% | $4900.38 |
| 15 Year Fixed Jumbo Refi | 5.750% | 5.777% | $6697.26 |
| 15 Year Fixed Refi | 5.625% | 5.860% | $1441.53 |
| 20 Year Fixed Refi | 5.875% | 6.043% | $1241.17 |
| 30 Year Fixed Refi | 6.375% | 6.506% | $1091.77 |
| 30 Year Fixed Refi Jumbo | 6.500% | 6.633% | $5097.63 |
*APR = Annual Percentage Rate and monthly payment examples assumes an 75% Loan-to-Value, 780 credit score, and purchase or no cash out refinance. Monthly Principal & interest payment based on loan amount of $175,000 and $806,500 for jumbo loans. Payment estimates do not include taxes and insurance; actual payments may be higher. Maximum loan amount is $1,500,000. Minimum loan amount is $30,000. Property insurance is required. If the loan does not close, the cost of the appraisal will not be refunded. The stated rates are the lowest available and subject to change at any time without notice. Rates are based on credit history, loan-to-value, occupancy, and other factors so your rate may different.
Adjustable Rate Mortgages (ARM) loans have a variable rate therefore the APR may increase after consummation. Borrower must meet membership requirements to qualify. Other restrictions may apply. See your tax advisor for details regarding interest deductibility.
+APR = Annual Percentage Rate and monthly payment examples assumes an 80% Loan-to-Value, and 700 credit score. Monthly Principal & interest payment based on loan amount of $175,000.. Payment estimates do not include taxes and insurance; actual payments may be higher. Minimum Loan amount is $15,000 and Maximum loan amount is $403,250. A minimum of $10,000 must be new money at Blaze. Property must be the primary or secondary residence and property insurance is required. Change in fee ownership, manufactured homes, commercial, agriculture and large acreage properties excluded from offer. Blaze member responsible to pay up to $1,500 toward closing costs. If the loan does not close, the cost of the appraisal will not be refunded. Blaze will pay closing costs in excess of $1,500 and does not include property taxes, home owner’s insurance, prepaid interest, and fee for a potential subordination agreement. Offer subject to termination at any time. The stated rates are the lowest available and subject to change at any time without notice. Rates are based on credit history, loan-to-value, and other factors so your rate may different. Adjustable Rate Mortgages (ARM) loans have a variable rate therefore the APR may increase after consummation. Borrower must meet membership requirements to qualify. Other restrictions may apply. See your tax advisor for details regarding interest deductibility.
Home Equity Loan Rates
Primary Residence Home Equity: Second Lien PositionRates Effective: 9/2/2025
Rate Type |
APR* | Monthly Term | Monthly Payments |
|---|---|---|---|
| Home Equity - 5yr. CLTV up to 80% | 6.000 | 60 | $966.64 |
| Home Equity - 5yr. CLTV up to 90% | 7.000 | 60 | $990.06 |
| Home Equity - 5yr. CLTV up to 100% | 8.250 | 60 | $1019.81 |
| Home Equity - 7yr. CLTV up to 80% | 6.250 | 84 | $736.43 |
| Home Equity - 7yr. CLTV up to 90% | 7.250 | 84 | $760.76 |
| Home Equity - 7yr. CLTV up to 100% | 8.500 | 84 | $791.82 |
| Home Equity - 10yr. CLTV up to 80% | 6.500 | 120 | $567.74 |
| Home Equity - 10yr. CLTV up to 90% | 7.500 | 120 | $593.51 |
| Home Equity - 15yr. CLTV up to 80% | 6.750 | 180 | $442.45 |
| Home Equity - 15yr. CLTV up to 90% | 7.750 | 180 | $470.64 |
| Home Equity - 20yr. CLTV up to 80% | 7.250 | 240 | $395.19 |
| Home Equity - 20yr. CLTV up to 90% | 8.250 | 240 | $426.03 |
*APR = Annual Percentage Rate. Monthly Principal & interest payment based on loan amount of $50,000. Maximum loan amount for a fixed rate loan is $403,250. Minimum loan amount is $10,000 for 5-10 year terms, $15,000 for a 15-year term, and $20,000 for a 20-year term. A minimum of $10,000 must be new money at Blaze. Property must be the primary or secondary residence and property insurance is required. Commercial, agriculture and large acreage properties excluded from offer. Blaze member responsible to pay up to $750 toward closing costs, which includes the cost of the required appraisal, and does not include property taxes, home owner’s insurance, prepaid interest, and fee for a potential subordination agreement. If the loan does not close, the cost of the appraisal will not be refunded. Offer subject to termination at any time. The stated rates are the lowest available and subject to change at any time without notice. Rates are based on credit history, loan-to-value, and other factors so your rate may different. Borrower must meet membership requirements to qualify. Other restrictions may apply. See your tax advisor for details regarding interest deductibility.
Primary Residence Home Equity Line of CreditRates Effective: 9/2/2025
Rate Type |
Rate | APR* as low as |
|---|---|---|
| CLTV up to 80% | 7.250 | 7.250 |
| CLTV up to 85% | 8.250 | 8.250 |
*APR = Annual Percentage Rate. The Home Equity Line of Credit has a variable rate therefore the APR may increase after consummation, the range is 4.50%-18.00% APR. Minimum loan amount for a Home Equity Line of Credit (HELOC) 10-year draw is $10,000. Maximum loan amount for CLTV up to 75% is $403,250 and CLTV 75.01-85% is $100,000. A minimum of $10,000 must be new money at Blaze. Property must be the primary residence and property insurance is required. Commercial, agriculture and large acreage properties excluded from offer. Blaze member responsible to pay up to $750 toward closing costs, which includes the cost of the required appraisal, and does not include property taxes, home owner’s insurance, prepaid interest, and fee for a potential subordination agreement. If the loan does not close, the cost of the appraisal will not be refunded. Offer subject to termination at any time. The stated rates are the lowest available and subject to change at any time without notice. Rates are based on credit history, loan-to-value, and other factors so your rate may different. Borrower must meet membership requirements to qualify. Other restrictions may apply. See your tax advisor for details regarding interest deductibility.
Second/Vacation Homes: Second Lien PositionRates Effective: 9/2/2025
Rate Type |
APR* | Monthly Term | Monthly Payments |
|---|---|---|---|
| Home Equity - 5yr. LTV up to 75% | 6.750 | 60 | $984.17 |
| Home Equity - 7yr. LTV up to 75% | 7.000 | 84 | $754.63 |
| Home Equity - 10yr. LTV up to 75% | 7.250 | 120 | $587.01 |
| Home Equity - 15yr. LTV up to 75% | 7.500 | 180 | $463.51 |
*APR = Annual Percentage Rate. Monthly Principal & interest payment based on loan amount of $50,000. Maximum loan amount for a fixed rate loan is $403,250. Minimum loan amount is $10,000 for 5-10 year terms and $15,000 for a 15 year term. A minimum of $10,000 must be new money at Blaze. Property must be the primary or secondary residence and property insurance is required. Commercial, agriculture and large acreage properties excluded from offer. Blaze member responsible to pay up to $750 toward closing costs, which includes the cost of the required appraisal, and does not include property taxes, home owner’s insurance, prepaid interest, and fee for a potential subordination agreement. If the loan does not close, the cost of the appraisal will not be refunded. 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.