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.

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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. Connect with our mortgage originators at the link below.

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	6.250%	6.591%	$1,122.80
15 Year Fixed	6.250%	6.492%	$857.42
20 Year Fixed	6.625%	6.821%	$752.95
30 Year Fixed	6.875%	7.026%	$656.93
5/1 ARM	6.875%	7.026%	$656.93
10/1 ARM	7.125%	7.279%	$673.72

*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 & homeowner’s insurance.