IMPORTANT NOTICES
Rates and terms are subject to change without prior notice. This rate sheet does not constitute a commitment. Rates and points can only be locked upon receipt of a completed Rate Lock Agreement. This rate sheet reflects the current base interest rates for Purchase and Refinance Transactions. Rates and terms are based on an evaluation of each member. Rate, APR and points may be adjusted based on several factors, including but not limited to loan type, loan purpose ,documentation type, loan amount, occupancy type, property type, loan to value and your credit score. Your final rate, APR and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply. All loans are subject to credit approval. The below Adjustable Rate Mortgage (ARM) rates are promotional rates offered for new applications received beginning on 30 April 2013 for the purchase or refinance of a primary residence or future retirement home. Loan applications received prior to 30 April 2013 and Second/Vacation home and Investment property rates will be higher. Consult a mortgage representative for current pricing.

BELOW ARE OUR FEATURED PRODUCT RATES
To view rates for all other products please click the "Get A Custom Rate Quote" button below.
 

¹ Consult a Mortgage Representative for additional rate discount options. (One point = 1% of the loan amount.)

² This program is a specially designed program for single unit primary residence high-balance conforming loans ($417,001 - $625,500 or the maximum allowable) that are located in areas that are subject to high-cost area loan limits set annually by the Federal Housing Finance Agency (FHFA). This program is available for LTVs/CLTVs up to 90% for purchase and rate/term refinances. The maximum LTV for cash-out refinance is 60%.

³ Jumbo rates apply for all fixed rate and adjustable rate loans over 417,000 USD for 1-4 unit properties that are not eligible for the Jumbo-Conforming program. Rate displayed is for single unit primary residence property with a loan amount of 417,001 USD – 625,500 USD. Higher rates will apply for loans greater than $625,500. Jumbo rates for 2-4 unit properties are higher.

The interest rates, Annual Percentage Rates (APRs), and discount points indicated are subject to change without notice.

The monthly payment amount indicated includes principal, interest, and mortgage insurance, if required. Your actual monthly payment will be higher if an escrow/impound account is established or required.

Your APR will vary based on your final mortgage loan amount and finance charges.

Balloon mortgage loans: Members are required to repay the entire principal balance and any accrued interest then owing fifteen years from the date on which the mortgage loan is made. UNFCU has no obligation to refinance this mortgage loan at the end of the term. Therefore, a member may be required to repay the mortgage loan using assets they own or may have to find another lender willing to refinance the mortgage loan.

Assuming UNFCU or another lender refinances this mortgage loan at maturity, a member will probably be charged interest at market rates prevailing at that time and such rates may be higher than the interest rate paid on this mortgage loan. A member may also have to pay some or all of the closing costs normally associated with a new mortgage loan.