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MORTGAGE PURCHASE

Effective Date: February 2, 2023

Credit Union Mortgage Rates

We offer 90% financing up to $1M with PMI and 80% financing from $1M - $3M. Loans are NOT locked in at application. A completed application is required prior to locking in.

Rate Lock-ins cannot be accepted by fax.
Rate Lock-ins are only available Monday thru Friday, 10am to 4pm. Your lock-in rate may be different from the rate posted here.

Fixed Rate Mortgage** Rate APR* Payment/ $1,000
10 Year (up to 97% financing) Rate5.00% APR*5.18% Payment/ $1000$6.00 Apply
15 Year (up to 97% financing) Rate5.00% APR*5.13% Payment/ $1000$7.91 Apply
20 Year (up to 97% financing) Rate5.25% APR*5.35% Payment/ $1000$6.74 Apply
30 Year (up to 97% financing) Rate5.625% APR*5.70% Payment/ $1000$5.76 Apply
Adjustable** Rate APR* Payment/ $1,000
5/6 Adjustable Rate5.25% APR*6.53% Payment/ $1000$5.52 Apply
7/6 Adjustable Rate5.25% APR*6.30% Payment/ $1000$5.52 Apply
10/6 Adjustable Rate5.50% APR*6.18% Payment/ $1000$5.68 Apply
Jumbo Mortgage Rate APR* Payment/ $1,000
15 Year Fixed** Rate5.50% APR*5.77% Payment/ $1000$8.17 Apply
20 Year Fixed** Rate5.50% APR*5.64% Payment/ $1000$6.88 Apply
30 Year Fixed** Rate5.625% APR*5.64% Payment/ $1000$5.76 Apply
5/6 Year Adjustable Rate5.25% APR*6.47% Payment/ $1000$5.52 Apply
7/6 Year Adjustable Rate5.25% APR*6.24% Payment/ $1000$5.52 Apply
10/6 Year Adjustable Rate5.50% APR*6.11% Payment/ $1000$5.68 Apply
High Balance*** Rate APR* Payment/$1000
15 Year Fixed Rate5.50% APR*5.67% Payment/ $1000$8.17 Apply
20 Year Fixed Rate6.25% APR*6.41% Payment/ $1000$7.31 Apply
30 Year Fixed Rate6.25% APR*6.40% Payment/ $1000$6.16 Apply
5/6 ARM Adjustable Rate5.25% APR*6.48% Payment/ $1000$5.52 Apply
7/6 ARM Adjustable Rate5.25% APR*6.25% Payment/ $1000$5.52 Apply
10/6 ARM Adjustable Rate5.50% APR*6.13% Payment/ $1000$5.68 Apply
Home Ready Mortgage** Rate APR* Payment/ $1,000
30 Year Fixed Rate5.875% APR*5.95% Payment/ $1000$5.92 Apply
No Closing Cost Mortgage Rate APR* Payment/ $1,000
20 Year Fixed Rate5.75% APR*5.80% Payment/ $1000$7.02 Apply
30 Year Fixed Rate6.125% APR*6.16% Payment/ $1000$6.08 Apply
5/6 Adjustable Rate5.75% APR*6.69% Payment/ $1000$5.84 Apply
7/6 Adjustable Rate5.75% APR*6.51% Payment/ $1000$5.84 Apply
10/6 Adjustable Rate6.00% APR*6.46% Payment/ $1000$4.42 Apply

* APR: Annual Percentage Rate

** APR based on $165,000 Conventional loan assuming the highest credit rating. Your actual rate may vary depending on your specific terms. The conforming mortgage loan limits for 1-4 family homes are respectively $647,200, $828,700, $1,001,650, and $1,244,850. Mortgage loan amounts exceed the conforming limits are considered jumbo mortgages or high balance mortgages if applicable. Mortgages at or below that amount may be considered conforming so long as other Fannie Mae criteria are met. Rate quotes are not guaranteed.

The rates displayed are subject to change without notice. Additional factors that may not have been considered may affect your final rate. This is not a commitment to make a loan, nor is it a guarantee that you will receive these rates or points if you are approved for the loan. Loans above 80% LTV may require private mortgage insurance. Rates and points can be locked in only after your completed loan application is received.

*** High Balance Mortgages are conventional mortgages where the loan amount is greater than the Federal Housing Finance Agency (FHFA) general loan limits and lower than or equal to the high-cost area limits. General and specific high-cost area loan limits are established annually for each county (or equivalent) by the FHFA.

 

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