ConnectOne Bank | Mortgage Loan Rates

Mortgage Rates

Call for Jumbo Rates, offer and rates effective as of December 9, 2025. All interest rates are subject to change without notice. Rates apply to owner occupied single family residential properties. Interest rates are locked in at time of receipt of signed disclosures and will hold for 45 days from acceptance of the commitment.

Program

Rate ¹

APR²

Points

Max Loan ³

Cost/Thousand

30 Year Fixed

6.125%

6.19%

$806,500

$6.09

20 Year Fixed

6.00%

6.08%

$806,500

$7.12

15 Year Fixed

5.625%

5.72%

$806,500

$8.27

10 Year Fixed

6.00%

6.14%

$806,500

$11.16

7/6 ARM †

5.625%

5.92%

$806,500

$5.77

10/6 ARM †

5.75%

5.93%

$806,500

$5.85

Mortgages are subject to credit approval.

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‍¹ Down payments less than 20% may be subject to higher rates.

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² Annual Percentage Rate (APR)

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³ Certain restrictions apply. Not applicable towards refinancing existing ConnectOne Bank mortgage loans. All loans are subject to credit approval and property appraisal. Credit requires minimum 760 credit and loan amount of $150,000 with secondary market approval.

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† Adjustable Rate Mortgage (ARM) interest rates and payments are subject to increase after the initial fixed-rate period (7/6 ARM = 84 months fixed, 10/6 ARM = 120 month fixed; after the fixed period the interest rate will adjust once every six months).

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Terms

Loan Amount*

APR** without Auto Deduct

APR** with Auto Deduct

Home Equity Line of Credit

Draw Period 5 Years / Interest Only Mininum Payment required for first 5 years / Any balance remaining after draw period ends will fully amortize over 10 years
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$25,000 - $500,000

Prime + .50 Floor rate = Prime;
Max Rate = 16%

Prime. Floor rate = Prime;
Max Rate = 16%

Home Equity Loan

Fixed Rate - 60 / 120 / 180 months

$25,000 - $500,000

60 months =7.25%;
120 months = 7.375%;
180 months = 7.50%

60 months = 6.75%;
120 months = 6.875%;
180 months = 7.00%

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* Acceptable Collateral includes 1-4 family owner occupied and 1 family vacation homes. Co-Op properties are not acceptable. On properties located within the state of New York, borrower(s) are required to pay the New York State Mortgage Recording tax. On properties located within the state of Florida, borrower(s) are required to pay all title and closing costs, along with any applicable Intangible and Documentary Stamp taxes

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** Annual Percentage Rate (APR)

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