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We are offering a $500.00 off closing costs promotion for purchases and / or refinances utilizing loan products originating through our Internet Lending website. The $500.00 promotional credit applies only to approved loans that close with Republic Bank. At time of closing, the $500.00 credit will be given on your HUD-1 settlement statement as a promotional credit.

Requires that all applications must process and close through our Internet Lending Division.

Promotion is a "Limited Time" offer.

Knowledge Hub

Loan Programs, Rates & Fees

How are interest rates determined?
Should I pay loan discount fee in exchange for a lower interest rate?
Is comparing APR's the best way to decide which lender has the lowest rates and fees?
How do I know if it's best to lock in my interest rate or to let it float?
How much money will I save by choosing a 15-year loan rather than a 30-year loan?
Is there a fee charged or any other obligation if I complete the on-line application?
When can I lock in my interest rate and points?
What is your Rate Lock Policy?
Tell me more about closing fees and how they are determined.
What is the Promotional Credit and when will I receive it?
What is title insurance and why do I need it?
What is mortgage insurance and when is it required?
What is the maximum percentage of my home's value that I can borrow?



How are interest rates determined?

Interest rates fluctuate based on a variety of factors, including inflation, the pace of economic growth, and Federal Reserve policy. Over time, inflation has the largest influence on the level of interest rates. A modest rate of inflation will almost always lead to low interest rates, while concerns about rising inflation normally cause interest rates to increase. Our nation's central bank, the Federal Reserve, implements policies designed to keep inflation and interest rates relatively low and stable.

Should I pay loan discount fee in exchange for a lower interest rate?

Loan discount fees are considered a form of interest. Each point is equal to one percent of the loan amount. You pay them, up front, at your loan closing in exchange for a lower interest rate over the life of your loan. This means more money will be required at closing, however, you will have lower monthly payments over the term of your loan.

To determine whether it makes sense for you to pay a loan discount fee, you should compare the cost of the loan discount fee to the monthly payment savings created by the lower interest rate. Divide the total cost of the loan discount fee by the savings in each monthly payment. This calculation provides the number of payments you'll make before you actually begin to save money by paying a loan discount fee. If the number of months it will take to recoup the loan discount fee is longer than you plan on having this mortgage, you should consider the loan program option that doesn't require a loan discount fee to be paid.

Use the "Does it make sense to pay points to get a lower interest rate?" calculator in our Resource Center for help with this calculation.

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* Loan Example as of 7/28/14: $100,000 loan amount; 30-year fixed rate; 4.462% Annual Percentage Rate; 360 payments of $499.29; 80% loan-to-value. $500.00 credit will be given on your HUD-1 settlement as a promotional credit. Example does not include monthly taxes and insurance and your actual payment may be greater. Offer not available in conjunction with other promotional discount offers. Offer and rates subject to change. Loan subject to underwriting and approval. Additional restrictions apply. Limited time offer. Republic Bank & Trust Company Loan Originator ID #402606.

† As of 7/28/14, $100,000 seven-year Adjustable Rate Mortgage (ARM) loan, 4.236% Annual Percentage Rate (APR) with 84 payments of $514.14. After 84 Payments, loan rate adjusts yearly based on changes to the Prime Rate as published in the Wall Street Journal plus 0.50%. As of 7/28/14 Prime Rate is 3.25%, therefore loan payment would adjust to 276 payments of $472.33. Loan example does not include monthly taxes and insurance so your actual payment may be greater. Offer available for owner-occupied properties, purchases only and subject to underwriting and approval. Maximum loan amount $417,000. Please contact one of our banking officers for information on higher loan amounts. Certain restrictions apply. Republic Bank & Trust Company Loan Originator ID #402606.

601 West Market Street | Louisville, KY 40202