FDIC-Insured—Backed by the full faith and credit of the U.S. Government
Mortgage Rates
Independent Bank offers competitive mortgage rates designed to make homeownership more attainable.
| Product | Rate | APR | Points | Effective Date |
|---|---|---|---|---|
|
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30 Yr. Conventional Fixed (Loans up to $806,500 for 252-360 months)
|
{name='rate_', label=Rate , type=TEXT, id=2, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false}
6.875%
|
{name='apr', label=APR, type=TEXT, id=3, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false}
6.964%
|
{name='points_', label=Points , type=TEXT, id=4, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false}
0.237%
|
{name='effective_date', label=Effective Date, type=DATE, id=5, deleted=false, options=[{id=1, name='', order=null, label=''}], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false}
April 24, 2025
|
|
{name='name', label=Product, type=TEXT, id=1, deleted=false, options=[{id=1, name='', order=null, label=''}], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=392, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false}
15 Yr. Conventional Fixed (Loans up to $806,500 for 132-180 months)
|
{name='rate_', label=Rate , type=TEXT, id=2, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false}
6.125%
|
{name='apr', label=APR, type=TEXT, id=3, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false}
6.253%
|
{name='points_', label=Points , type=TEXT, id=4, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false}
0.144%
|
{name='effective_date', label=Effective Date, type=DATE, id=5, deleted=false, options=[{id=1, name='', order=null, label=''}], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false}
April 24, 2025
|
|
{name='name', label=Product, type=TEXT, id=1, deleted=false, options=[{id=1, name='', order=null, label=''}], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=392, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false}
5/6 Conventional Non-convertible ARM (Loans up to $806,500 for 360 months) Avg. 1 yr. SOFR Margin: 3.00%
|
{name='rate_', label=Rate , type=TEXT, id=2, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false}
6.250%
|
{name='apr', label=APR, type=TEXT, id=3, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false}
6.325%
|
{name='points_', label=Points , type=TEXT, id=4, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false}
0.125%
|
{name='effective_date', label=Effective Date, type=DATE, id=5, deleted=false, options=[{id=1, name='', order=null, label=''}], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false}
April 24, 2025
|
|
{name='name', label=Product, type=TEXT, id=1, deleted=false, options=[{id=1, name='', order=null, label=''}], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=392, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false}
Jumbo 5/6 Non-Convertible ARM Avg. 1.yr. SOFR Margin: 3.875%
|
{name='rate_', label=Rate , type=TEXT, id=2, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false}
6.500%
|
{name='apr', label=APR, type=TEXT, id=3, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false}
6.530%
|
{name='points_', label=Points , type=TEXT, id=4, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false}
0.000%
|
{name='effective_date', label=Effective Date, type=DATE, id=5, deleted=false, options=[{id=1, name='', order=null, label=''}], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false}
April 24, 2025
|
|
{name='name', label=Product, type=TEXT, id=1, deleted=false, options=[{id=1, name='', order=null, label=''}], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=392, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false}
Jumbo 30 Yr. Fixed
|
{name='rate_', label=Rate , type=TEXT, id=2, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false}
6.750%
|
{name='apr', label=APR, type=TEXT, id=3, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false}
6.780%
|
{name='points_', label=Points , type=TEXT, id=4, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false}
0.000%
|
{name='effective_date', label=Effective Date, type=DATE, id=5, deleted=false, options=[{id=1, name='', order=null, label=''}], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false}
April 24, 2025
|
|
{name='name', label=Product, type=TEXT, id=1, deleted=false, options=[{id=1, name='', order=null, label=''}], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=392, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false}
30 Yr. FHA/VA/USDA Fixed (Loans up to $524,225 for 252-360 months)
|
{name='rate_', label=Rate , type=TEXT, id=2, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false}
6.125%
|
{name='apr', label=APR, type=TEXT, id=3, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false}
6.212%
|
{name='points_', label=Points , type=TEXT, id=4, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false}
0.270%
|
{name='effective_date', label=Effective Date, type=DATE, id=5, deleted=false, options=[{id=1, name='', order=null, label=''}], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false}
April 24, 2025
|
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{name='name', label=Product, type=TEXT, id=1, deleted=false, options=[{id=1, name='', order=null, label=''}], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=392, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false}
1/6 ARM Construction-Perm Non-Convertible ARM (Margin: 3.875%) Call for current vacant Land Loan Specials
|
{name='rate_', label=Rate , type=TEXT, id=2, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false}
5.625%
|
{name='apr', label=APR, type=TEXT, id=3, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false}
5.726%
|
{name='points_', label=Points , type=TEXT, id=4, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false}
0.125%
|
{name='effective_date', label=Effective Date, type=DATE, id=5, deleted=false, options=[{id=1, name='', order=null, label=''}], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false}
April 24, 2025
|
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{name='name', label=Product, type=TEXT, id=1, deleted=false, options=[{id=1, name='', order=null, label=''}], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=392, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false}
Jumbo 5/6 Construction-Perm ARM Avg. 1 Yr. SOFR Margin: 3.875%
|
{name='rate_', label=Rate , type=TEXT, id=2, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false}
6.625%
|
{name='apr', label=APR, type=TEXT, id=3, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false}
6.655%
|
{name='points_', label=Points , type=TEXT, id=4, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false}
0.000%
|
{name='effective_date', label=Effective Date, type=DATE, id=5, deleted=false, options=[{id=1, name='', order=null, label=''}], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false}
April 24, 2025
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This information only provided to assist real estate professionals and is not an advertisement to extend consumer credit under Regulation Z. Normal credit standards and restrictions apply to conventional loans. Additional credit standards and restrictions apply to FHA, VA, MSHDA, and other government programs. All rates are quoted assuming a $150,000 loan on a primary residence. taxes, insurance, and assessments/association dues are required, but not included in payment estimate. Discount and Origination points are included in "Points." Discount points can be purchased to lower the interest rate. Rates and terms are subject to change without notice.
- Rates are subject to change without notice
- Normal credit standards and restrictions apply.
- All monthly payment examples assume 20% down payment including principal and interest expense, and a credit score of 780.
- Maximum seller contribution of 3%.
- Annual Percentage Rates for adjustable rate (ARM) products are subject to increase or decrease.
- Actual interest rates and APRs may vary based on factors such as loan-to-value (LTV), credit score, occupancy type, number of units, loan amount, and other transaction parameters.
- Assumes auto pay or online bill pay through an Independent Bank checking account.
- Taxes, insurance, and assessments/association dues are not included in the payments but are required.
- Discount and Origination points are included in 'Points.'
- The interest rate and monthly payment examples assume primary residence and that the customer selects an escrow account for taxes, insurance, and assessments/association dues with lender.
