If you’re looking for a mortgage, think ahead. Because with some lenders, after you’ve closed on your loan, their team might not be 100% there for you — but at Chesapeake Bank, when you get a mortgage with us, you also get a relationship.

We make the application process easy, too, with all decisions made locally, and loans that are designed to work with your life.

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Determining rates is a complex process. Because we do not have all of your financial information, the rate and payment results displayed may not reflect your actual situation.

Chesapeake Bank offers a wide variety of loan options, and you may still be eligible for a loan even if your situation does not match our assumptions. Rates vary according to market conditions and financial profiles.

These example rates are based on the most current APR and: Loan Amount $200,000; Credit Score over 740; Primary Home; Single Family Dwelling; with a 20% down payment or 20% equity in the property. The proposed monthly payment and rate does not include estimated tax payments or monthly premium payments for flood insurance or homeowners insurance. These amounts will be determined at a later date.

A $200k loan amount with a 3.250% interest rate has a corresponding Annual Percentage Rate (APR) of 3.307% with a 360-month term and monthly payment amount of $870.41.

A $200k loan amount with a 3.125% interest rate has a corresponding Annual Percentage Rate (APR) of 3.205% with a 240-month term and monthly payment amount of $1,121.75.

A $200k loan amount with a 2.875% interest rate has a corresponding Annual Percentage Rate (APR) of 2.976% with a 180-month term and monthly payment amount of $1,369.17.

Representative example based upon rates that were effective as of 03/01/2020. Rates and programs may change at any time.

The initial payment on a [20]-year [$200,000] 5-year Adjustable-Rate Loan with an interest rate of [4.99%] at an [80%] loan-to-value (LTV) is [$1,318.81] with 0 points due at closing. The Annual Percentage Rate (APR) is [5.035%]. After the initial 5 years, your interest rate can change [every 5 years] and is subject to an initial interest rate cap of 3.00%], and annual rate cap of [3.00%] and a lifetime cap of [6.00%]. Payment amount shown does not include taxes and insurance premiums. The actual payment amount will be greater. At the first adjustment, the interest rate cannot increase above [7.990%] or decrease below [4.990%] (the margin). If the interest rate reached the lifetime maximum cap of [10.990%], your payment would be [$2,063.02]. Actual payment amounts will vary annually after the fifth year based on changes in the PRIME index.

The interest rate is effective as of 03/01/2020. All applicants subject to credit approval. Adjustable-rate mortgage (ARM) rates and payments assume no increase in the financial index after the initial fixed period of the loan. ARM rates and monthly payments are subject to increase after the initial fixed period. Rates and pricing may vary and are subject to change at any time without notice. Loans, lines of credit and credit cards are subject to credit approval.