Real Estate Loans

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1ST MORTGAGE LOANS

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Loan Rates as of October 24, 2021
ProgramTermRateAPR 2PointsPayment Example
Fixed Rate - Purchase10 Year 12.500%2.835%0$1,885.40
Fixed Rate - Purchase15 Year 12.500%2.729%0$1,333.58
Fixed Rate - Purchase20 Year 12.875%3.053%0$1,096.72
Fixed Rate - Purchase30 Year 12.875%3.001%0$829.78
Fixed Rate - Refinance10 Year 12.500%2.835%0$1,885.40
Fixed Rate - Refinance15 year 12.500%2.729%0$1,333.58
Fixed Rate - Refinance20 year 13.000%3.179%0$1,109.20
Fixed Rate - Refinance30 year 13.125%3.252%0$856.75
FHA15 year 12.500%2.930%0$1,356.92
FHA30 year 12.750%2.984%0$830.77
VA15 year 13.750%4.237%0$1,462.42
VA30 year 14.000%4.525%0$957.61
Jumbo Refinance 15 year 42.500%2.719%1$4,000.74
Jumbo Refinance30 year 32.625%2.744%1$2,409.90
Jumbo Purchase15 year 52.500%2.683%0.75$4,000.74
Jumbo Purchase 30 year 62.625%2.744%1$2,409.90
Jumbo ARM5/1 12.250%3.294%0$2,331.92
Jumbo ARM7/1 12.500%3.314%0$2,409.90
Jumbo ARM10/1 12.625%3.014%0$2,449.45
Conventional ARM5/1 12.375%3.379%0$777.31
Conventional ARM7/1 12.500%3.389%0$790.24

Contact the Real Estate Department at 800.252.6950 for additional information.

0 Point Options Available for Jumbo Loans. Ask for details.

NMLS# 384759. Rates, terms and conditions are subject to change and vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval.


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The Annual Percentage Rate (APR) is based on 70% LTV, $200,000 loan amount, Single Family Residence, 45 day lock period.

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Additional terms available.

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Jumbo Loan APR calculation is based on a 30-year fixed-rate mortgage in the amount of $600,000 for the refinance of a single-family, primary residence with 85% loan-to-value (LTV), minimum borrower credit score of 740, 1 point paid, and origination fee.

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Jumbo Loan APR calculation is based on a 15-year fixed-rate mortgage in the amount of $600,000 for the refinance of a single-family, primary residence with 85% loan-to-value (LTV), minimum borrower credit score of 740, 1 point paid, and origination fee.

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Jumbo Loan APR calculation is based on a 15-year fixed-rate mortgage in the amount of $600,000 for the purchase of a single-family, primary residence with 85% loan-to-value (LTV) or 15% down payment, minimum borrower credit score of 740, 1 point paid, and origination fee.

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Jumbo Loan APR calculation is based on a 30-year fixed-rate mortgage in the amount of $600,000 for the purchase of a single-family,primary residence with 85% loan-to-value (LTV) or 15% down payment, minimum borrower credit score of 740, 1 point paid, and origination fee.

HOME EQUITY LINE OF CREDIT (HELOC)

Loan Rates as of October 24, 2021
Line of Credit LimitAPR 1
Up to 80% LTV | $10,000-$2,000,000As low as Prime + .50%Currently at 3.75%
Up to 90% LTV | $10,000-$1,000,000As low as Prime + .75%Currently at 4.00%
Up to 70% LTV | Non-Owner Occupied | $10,000 - $100,000As low as Prime + 2.50%Currently at 5.75%

APR= Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval.


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The Annual Percentage Rate may vary after the account is opened. There is a $75 Annual Fee and a $100 Minimum Monthly Payment. HELOC has a floor rate of 3.74% APR and the maximum rate that may be imposed is 18.00% APR. Closing costs vary by state and range from $250 - $750, available for properties in IL, IN, and NV only. Credit Union 1 will pay the closing fees associated with the setup of the loan. If a HELOC is closed within 24 months from the open date, a fee reimbursement applies for costs associated to setup the loan.

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