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Home Loan Rates
We offer a variety of loan programs.    To learn more about these programs and many others, call us at (806) 359-8811 or you can select "Contact a Lender" to request a call back from a Lender.

Loan programs and their corresponding rates are listed below.    Rates and Annual Percentage Rates may vary depending on loan details, such as points, loan amount, loan-to-value, your credit, property type, and occupancy. Home loan rates and APR's assume owner occupied single family residence and that an escrow account is set up for payment of property taxes, hazard insurance, and mortgage insurance if applicable. 1 point is equal to 1% of the mortgage amount (e.g. 1,000 on a $100,000 loan).    

All rates listed below are based on a $175,000.00 loan amount and a credit score of 740 or higher. Rates assume a 20% down payment and are based upon a 30 day rate lock period.    APR assumes closing occurs on the last day of the month.
Loan Amount:      $

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Program Name Rate Points APR Payment  
30 Year Conv. (Conforming) 4.250% 0.00% 4.370% $0.00
15 Year Conv. (Conforming) 3.625% 0.00% 3.826% $0.00
30 Home Equity (Conforming) 4.625% 0.00% 4.732% $0.00
15 Home Equity (Conforming) 4.000% 0.00% 4.176% $0.00
30 Year (FHA) 3.750% 0.00% 4.255% $0.00
15 Year (FHA) 3.500% 0.00% 4.285% $0.00
30 Year (VA) 3.750% 0.00% 3.809% $0.00
15 Year (VA) 3.500% 0.00% 3.606% $0.00
30 Year (USDA-RHS) 3.750% 0.00% 4.410% $0.00
Rates are subject to change without notice.
Rates last updated on 04/24/2017.
Happy State Bank Mortgage - Operations Center
5100 Coulter Road, Amarillo, TX  79119
Direct:  (806) 359-8811
MortgageGroup@happybank.com
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