Mortgage Loans

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Whether you are purchasing your first home, moving into a bigger one or splurging on a vacation home, Lake City Bank has the right mortgage for you. Getting a mortgage is a big deal. But that doesn’t mean it has to be complicated and stressful. Our local mortgage experts will guide you throughout the process so you can be confident about the results.

Get Started with a Mortgage

Personalized Service

Our mortgage experts will work with you through every step of the mortgage process. They are local, so they know your local real estate market.

Contact a Mortgage Expert

Today’s Mortgage Rates*

View our current mortgage rates below.

Loan Product	Interest Rate	APR*	Principal & Interest Payment
10 Year Fixed	7.250%	7.598%	$1,174.01
15 Year Fixed	7.250%	7.499%	$912.86
20 Year Fixed	7.625%	7.829%	$813.25
30 Year Fixed	7.625%	7.783%	$707.79
5/1 ARM	7.125%	7.279%	$673.72
10/1 ARM	7.375%	7.531%	$690.68

*APR Assumptions: APR = Annual Percentage Rate. Interest rates are subject to change at any time and without notice due to changes in the mortgage market. Interest rates may also change according to credit and property approval based on secondary market guidelines. Rates displayed above are based on average interest rates for customers with credit scores above 760. Your individual rate may vary. The APR calculations include the interest rate plus other charges and fees and are based on a loan amount of $100,000 for the purchase of a primary residence with 60% loan-to-value (LTV). For Adjustable Rate Mortgage (ARM) programs, the rate may increase after consummation. All ARM programs based on 30-year term. Payments noted above do not include property taxes and homeowner’s insurance; the actual payment obligation will be greater.

Mortgage Calculator

Figure your monthly payment, including taxes, insurance, PMI, HOA, down payment, interest rate, and loan term.

Calculate my Mortgage Payment

Home Possible^® & HomeOne^® Mortgages

Wherever you are on the path to homeownership, Lake City Bank is here to help you take the next step. With Home Possible and HomeOne mortgages from Freddie Mac, you may be able to buy your first home sooner than you think.

Designed for First-Time Buyers

Both Home Possible and HomeOne mortgages feature:
• Low down payments
• Fixed rates
• The option to use gift funds for down payment and closing costs
• Higher loan-to-value (LTV) ratios than traditional mortgages

Which Option Fits You?

Home Possible: For first-time buyers who meet low to moderate income requirements. Offers reduced Private Mortgage Insurance (PMI) coverage for LTVs over 80%.

HomeOne: For first-time buyers with no income or geographic restrictions.

Put Your Home’s Equity to Work

Lock in a portion of your Home Equity Line of Credit with a five-year Fixed Rate Lock at 5.74% APR* — perfect for renovations, debt consolidation, or a big purchase.

Learn More

NMLS #431669.
*All loans are subject to credit approval.
Member FDIC

Local Guidance Every Step of the Way

Our local mortgage experts make the process simple — from application to closing and beyond. They know your market and are here to help you find the right fit.