Real Estate Loans

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1ST MORTGAGE LOANS

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Loan Rates as of January 29, 2022
ProgramTermRateAPR 2PointsPayment Example
Fixed Rate - Purchase10 Year 12.500%3.048%1$1,885.40
Fixed Rate - Purchase15 Year 12.500%2.875%1$1,333.58
Fixed Rate - Purchase20 Year 13.000%3.293%1$1,109.20
Fixed Rate - Purchase30 Year 13.375%3.587%1$884.19
Fixed Rate - Refinance10 Year 12.750%3.301%1$1,908.22
Fixed Rate - Refinance15 year 12.750%3.127%1$1,357.24
Fixed Rate - Refinance20 year 13.250%3.546%1$1,134.39
Fixed Rate - Refinance30 year 13.500%3.713%1$898.09
FHA15 year 13.000%4.300%0$1,405.33
FHA30 year 13.500%4.599%0$913.81
VA15 year 13.000%3.494%0$1,462.86
VA30 year 13.500%3.777%0$917.40
Jumbo Refinance 15 year 42.875%2.982%1$4,792.10
Jumbo Refinance30 year 33.125%3.184%1$2,998.63
Jumbo Purchase15 year 52.500%2.672%0.75$4,667.52
Jumbo Purchase 30 year 63.000%3.058%1$2,951.23
Jumbo ARM5/1 12.500%3.241%0$2,765.85
Jumbo ARM7/1 12.750%3.317%0$2,857.69
Jumbo ARM10/1 12.875%3.088%0$2,904.25
Conventional ARM5/1 12.500%3.389%0$790.24
Conventional ARM7/1 12.750%3.409%0$816.48

Contact the Real Estate Department at 800.252.6950 for additional information.

0 Point Options Available for All Loans. Don't forget to ask about our no closing cost options. 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 minimum borrower credit score of 740, 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 $700,000 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 $700,000 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 $700,000 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 $700,000 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 January 29, 2022
ProgramLine of Credit LimitAPR 1
Up to 80% LTV$10,000 - $2,000,000As low as Prime + .50%Currently at 3.75% 1
Up to 90% LTV$10,000 - $1,000,000As low as Prime + 1.00%Currently at 4.25% 1
Up to 70% LTV$10,000 - $100,000As low as Prime + 2.50%Currently at 5.75% 1
Interest Only Payment Up to 80% LTV$10,000 - $250,000As low as Prime + .75%Currently at 4.00% 1
Interest Only Payment Up to 90% LTV$10,000 - $250,000As low as Prime + 1.25%Currently at 4.50% 1

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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