The Old Point National Bank of Phoebus - Nationwide Branches

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Branch	Address	View Lobby Hours
Fort Monroe Branch	100 Griffith Street, Fort Monroe, VA 23651	View Lobby Hours
Norge Crossing Branch	7504 Richmond Road, Williamsburg, VA 23188	View Lobby Hours
Greenbrier Branch	740 Eden Way North, Chesapeake, VA 23320	View Lobby Hours
Crown Center Branch	580 East Main Street, Norfolk, VA 23510	View Lobby Hours
New Town Branch	4139 Ironbound Road, Williamsburg, VA 23188	View Lobby Hours
West Mercury Branch	4030 West Mercury Boulevard, Hampton, VA 23666	View Lobby Hours
Independence Branch	351 Independence Boulevard, Virginia Beach, VA 23462	View Lobby Hours
Woodland Road Branch	347 Woodland Road, Hampton, VA 23669	View Lobby Hours
Downtown Hampton Branch	24 Wine Street, Hampton, VA 23669	View Lobby Hours
Executive Towers Branch	2101 Executive Drive, Hampton, VA 23666	View Lobby Hours
Kiln Creek Branch	201 Kiln Creek Parkway, Yorktown, VA 23693	View Lobby Hours
Ghent Branch	1812 Granby Street, Norfolk, VA 23510	View Lobby Hours
Hilltop Branch	1613 Laskin Road, Virginia Beach, VA 23451	View Lobby Hours
Sherwood Branch	13801 Warwick Boulevard, Newport News, VA 23602	View Lobby Hours
Eagle Harbor Branch	13489 Carrollton Boulevard, Carrollton, VA 23314	View Lobby Hours
Oyster Point Financial Center Branch	11780 Jefferson Avenue, Newport News, VA 23606	View Lobby Hours
Professional Park Branch	11751 Jefferson Avenue, Newport News, VA 23606	View Lobby Hours
The Warwick Branch	11134 Warwick Boulevard, Newport News, VA 23601	View Lobby Hours
Cedar Road Branch	1000 Cedar Rd, Chesapeake, VA 23322	View Lobby Hours
Corporate Center Branch	10 South Mallory Street, Hampton, VA 23663	View Lobby Hours
The Old Point National Bank Of Phoeb	1 West Mellen Street, Hampton, VA 23663	View Lobby Hours
Magruder Branch	1613 Hardy Cash Drive, Hampton, VA 23666	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2024

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1429043 License#: RM.804500.000	6.541%	6.375% 0.75 points $5,600 fees	$1,997	Learn More
NMLS ID: 66247	6.804%	6.750% 0.50 points $1,770 fees	$2,076	Learn More
NMLS ID: 1025894	6.977%	6.875% 0.88 points $3,334 fees	$2,103	Learn More
NMLS ID: 3030	7.463%	7.375% 0.88 points $2,800 fees	$2,211	Learn More

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Featured - Home Equity Line Of Credit Rates 2024

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Rate See Table	Intro APR 7.900 % After Intro: 7.900 %	$25,000	Learn More More Info
A Guaranteed Rate HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Guaranteed Rate Home Equity Line is an open-end product where the full loan amount (minus lender, broker, third party, and governement fees, as applicable) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. Funds directly to your bank account. No in-person appraisal needed.
Achieve Loans See Table	Intro APR 10.625 % After Intro: 10.625 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501), Equal Housing Lender. All loan requests are subject to eligibility requirements, application review, loan amount, loan term, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio, and combined loan-to-value ratio. Minimum 640 credit score applies for debt consolidation requests, minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 8.75% - 15.00% and are assigned based on underwriting requirements; offer APRs include a .50% discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $951 for a 15-year loan. 10, 15, 20, and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

The Old Point National Bank of Phoebus - Nationwide Branches

Featured - 30 Year Fixed Mortgage Rates 2024

Featured - Home Equity Line Of Credit Rates 2024

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