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Mortgage Learning Center

Whether you are a first-time or experienced home buyer, our Prime Meridian Bank Mortgage experts are here to guide you through every step of the process. From budgeting to closing, find out what is needed and what to expect along the way.

Getting Pre-qualified for a Mortgage

Looking to buy that dream home? Prime Meridian Bank's Laura Jo Hewitt (Tallahassee, FL) discusses the steps in the mortgage pre-qualification process on Real Estate Weekend Showcase (Part 1 of 4).

Knowing Your Mortgage Options

Know your financing options: Prime Meridian Bank's Laura Jo Hewitt (Tallahassee, FL) discusses the many financing options available to buyers today on Real Estate Weekend Showcase (Part 2 of 4).

Building vs Buying an Existing Home

Prime Meridian Bank's Laura Jo Hewitt (Tallahassee, FL) discusses the differences in the mortgage process between building a new home versus buying an existing home on Real Estate Weekend Showcase (Part 3 of 4).

Importance of Using a Realtor

Need help finding that dream home? Prime Meridian Bank's Laura Jo Hewitt (Tallahassee, FL) discusses the benefits of selecting a good Realtor -- and the pitfalls of going it alone when looking to buy a home -- on Real Estate Weekend Showcase (Part 4 of 4).

Prime Meridian Bank Mortgage Rates

Rates as of October 18, 2019, 4:00 pm*

Program

Term

Rate

APR**

Down

Conventional

30-year fixed

3.750%

4.015%

5%

Conventional

15-year fixed

3.250%

3.461%

5%

Conventional†

30-year fixed

3.750%

4.082%

3%

FHA

30-year fixed

3.250%

4.302%

3.5%

VA

30-year fixed

3.250%

3.451%

0%

 

fdic-ehl

*The interest rates, fees, points and annual percentage rate (APR)** shown here are subject to change without notice.  All scenarios above based upon: 0 points; $300,000 price; 30 day lock and 740+ credit scores.

The actual interest rate and fees available to you will be based on your credit history, property type and loan to value and may be different than the rates displayed here. For FHA loans, certain property types such as condominiums, etc. may have different rates and fees than displayed.  Please contact a loan officer for current rates and fees.

†Conventional 30-year fixed, 3% down, must not have had ownership in the last 3 years.

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