No Closing Cost Mortgages Available!
- For 20, 30, & 40 Year Fixed Rate Mortgages
- Available for Purchases and Refinances
Mortgage & Home Equity by Phone
Loan Information & Applications
(631) 698-7000 ext. 6790
Rate Lock-ins
Rate Lock-ins are available Monday-Friday, 10am-4pm. Your Lock-in Interest Rates may be different than the rate posted on our website or our telephone system.
Loans are NOT locked in at application. A completed application is required prior to locking in.
Rate Lock-ins cannot be accepted by fax.
Pre-Approval Mortgage Program
TFCU offers a Pre-Approval program to members considering purchasing or refinancing
Calculate how much you will earn with
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SMARTMOVE®
Turn to One Place For the Best Real Estate Benefits Program
Mortgage Rates
ConventionalMaximum loan amount: $417,000 |
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| Fixed Rate Mortgages* |
Rate | Payment per $1,000 | |
| 10 Year (up to 95% financing) |
4.250% | $10.24 | |
| 15 Year (up to 95% financing) |
4.500% | $7.65 | |
| 20 Year (up to 95% financing) |
5.000% | $6.60 | |
| 30 Year (up to 95% financing) |
5.125% | $5.44 | |
| 40 Year (up to 95% financing) |
5.500% | $5.16 | |
* 80.01 LTV and greater add .125% to fixed interest rates.
ALL RATES AND TERMS ARE SUBJECT TO CHANGE WITHOUT NOTICE.
Lowest rate available. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and or term.
ALL RATES AND TERMS ARE SUBJECT TO CHANGE WITHOUT NOTICE.
Lowest rate available. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and or term.
AdjustableMaximum loan amount: $417,000 |
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| Adjustable Mortgages* |
Rate | Payment per $1,000 | |
| 1 Year Adjustable |
3.375% | $4.42 | |
| 3/1 Adjustable |
4.250% | $4.92 | |
| 5/1 Adjustable |
5.000% | $5.37 | |
| 7/1 Adjustable |
5.375% | $5.60 | |
| 10/1 Adjustable |
5.750% | $5.84 | |
* Adjustable Mortgages 90.01% and greater, add .25% to posted interest rate.
ALL RATES AND TERMS ARE SUBJECT TO CHANGE WITHOUT NOTICE.
Lowest rate available. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and or term.
ALL RATES AND TERMS ARE SUBJECT TO CHANGE WITHOUT NOTICE.
Lowest rate available. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and or term.
Interest OnlyMaximum loan amount: $417,000 |
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| Interest First Mortgages Interest First Payment based on a 30 Year Term. At the end of the Interest Only Period, the remaining term will be 20 years or 15 years, respectively. |
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| Rate | Interest Only (first 120 mos.) |
Principle+Interest (remaining 240 mos.) |
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| 10 Year Interest Only | 6.000% | $5.00 | $7.16 |
| Rate | Interest Only (first 180 mos.) |
Principle+Interest (remaining 180 mos.) |
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| 15 Year Interest Only | 6.250% | $5.21 | $8.57 |
* 80.01 LTV and greater add .125% to fixed interest rates.
ALL RATES AND TERMS ARE SUBJECT TO CHANGE WITHOUT NOTICE.
Lowest rate available. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and or term.
ALL RATES AND TERMS ARE SUBJECT TO CHANGE WITHOUT NOTICE.
Lowest rate available. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and or term.
JumboLoan amount: $417,001 — $729,750 |
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| Jumbo Conforming Mortgages |
Rate | Payment per $1,000 | |
| 15 Year Fixed Rate* | 5.750% | $8.30 | |
| 30 Year Fixed Rate* | 6.375% |
$6.24 | |
Jumbo Non-ConformingLoan amount: $729,751 — $1,500,000 |
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| Jumbo Non-Conforming Mortgages |
Rate | Payment per $1,000 | |
| 15 Year Fixed Rate* | 5.750% | $8.30 | |
| 30 Year Fixed Rate* | 6.375% |
$6.24 | |
| 1 Year Adjustable Rate Mortgage | 4.000% |
$4.77 | |
| 3/1 Year Adjustable Rate Mortgage | 4.875% | $5.29 | |
| 5/1 Year Adjustable Rate Mortgage | 5.625% | $5.76 | |
| 7/1 Year Adjustable Rate Mortgage | 6.000% | $6.00 | |
| 10/1 Year Adjustable Rate Mortgage | 6.375% |
$6.24 | |
| Jumbo Interest First Mortgages | Rate | Interest Only (first 120 mos.) |
Principle+Interest (remaining 240 mos.) |
| 10 Year Interest Only | 6.125% |
$5.10 | $7.24 |
| Rate | Interest Only (first 180 mos.) |
Principle+Interest (remaining 180 mos.) |
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| 15 Year Interest Only | 6.375% |
$5.31 | $8.64 |
* 80.01 LTV and greater add .125% to fixed interest rates.
ALL RATES AND TERMS ARE SUBJECT TO CHANGE WITHOUT NOTICE.
Lowest rate available. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and or term.
ALL RATES AND TERMS ARE SUBJECT TO CHANGE WITHOUT NOTICE.
Lowest rate available. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and or term.
Home EquityMaximum loan amount: $417,000 |
Rates Effective: 5/1/2009 | ||
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| Home Equity Line of Credit $350,000 max (up to 80% of home value). -Lines up to $75,000 min. advance $5,000 -Lines $75,001 - $250,000 min. advance $60,000 and $50,000 min. balance for 24 months -Lines $250,001 - $350,000 min. advance $100,000 and $80,000 min. balance for 24 months Adjusts quarterly |
Rate | Term (months) | |
| Adjustable Rate as low as: 2.750% (80% of home value) |
180 | ||
Mini-Home Equity
No closing costs. Adjustable Rate Adjusts annually on March 1 $10,000 - $350,000 |
3.250% (80% of home value) | up to 240 | |
Mini-Home Equity
No closing costs up to $100,000 Fixed Rate |
80% of home value |
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| Min. $10,000 |
Max. $350,000 |
5.99% | 60 |
| 6.49% | 61-120 | ||
| 6.99% | 121-180(a) | ||
| 7.24% | 181-240(b) | ||
ALL RATES AND TERMS ARE SUBJECT TO CHANGE WITHOUT NOTICE.
Lowest rate available. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and or term.
Lowest rate available. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and or term.
First Time Home BuyerMaximum loan amount: $417,000 |
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| My Community Mortgage (3% down) |
Rate | Payment per $1,000 |
| 30 Year Fixed | 6.250% | $6.16 |
| 40 Year Fixed | 6.750% | $6.03 |
| 5/1 Adjustable |
6.375% | $6.24 |
| 7/1 Adjustable |
6.625% | $6.40 |
| 10/1 Adjustable |
7.000% | $6.65 |
| Flex97 Fixed Rate Mortgage (3% down) |
5.625% | $5.76 |
| HLPR 3 /1 Adjustable |
4.125% | $4.85 |
* 80.01 LTV and greater add .125% to fixed interest rates.
ALL RATES AND TERMS ARE SUBJECT TO CHANGE WITHOUT NOTICE.
Lowest rate available. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and or term.
ALL RATES AND TERMS ARE SUBJECT TO CHANGE WITHOUT NOTICE.
Lowest rate available. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and or term.
