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Rates
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Fixed and Adjustable Rates
| Fixed Rate Mortgages | Rate | Points | APR* | Estimated Payment p/$1,000 |
|---|---|---|---|---|
| Conforming (Loan amounts up to $766,550) | ||||
| 15-Year | 5.750% | 0.000 | 6.043% | $8.30 |
| 30-Year | 6.500% | 0.000 | 6.686% | $6.32 |
| High Balance (Minimum Loan Amount $766,551) | ||||
| 15-Year | 5.750% | 0.000 | 5.968% | $8.30 |
| 30-Year | 6.500% | 0.000 | 6.636% | $6.32 |
| Jumbo (Loan amounts from $1,149,825 to $2,500,000) | ||||
| 15-Year | 5.750% | 0.000 | 6.043% | $8.30 |
| 30-Year | 6.500% | 0.000 | 6.686% | $6.32 |
| Adjustable Rate Mortgages | Rate | Points | APR* | Estimated Payment p/$1,000** |
|---|---|---|---|---|
| Loan amounts up to $2,500,000 | ||||
| 5/6 ARM | 5.125% | 0.000 | 6.579% | $5.44 |
| 7/6 ARM | 5.250% | 0.000 | 6.399% | $5.52 |
| 10/6 ARM | 5.500% | 0.125 | 6.287% | $5.68 |
Rates are current and effective as of: March 19, 2025
| Disclosures |
|---|
| *APR=Annual Percentage Rate. Mortgage Rates Effective March 19, 2025. Certain rates and/or point adjustments may apply depending on loan features. All rates quoted assume a 45-day rate lock. Interest rates based on a 740 FICO and a purchase transaction of 80% loan to value (LTV), Owner Occupied, Single Family Residence Property. Additional Fees may apply based on credit score, LTV, property type, occupancy, and cash-out refinances. Monthly Payment includes Principal & Interest only (taxes, homeowners insurance, HOA Fees, and other costs not included and will result in a greater actual monthly payment amount). Loans subject to borrower and property qualifications. Not all applicants will be approved. Rates subject to change daily, at any time, and without notice. FCCU Credit Union membership required. |
| **Sample ARM payments are based on a loan amount of $350,000 for a term of 30-years: 5/6 ARM; Years 1-5: Minimum $1,905.70 , Maximum $1,905.70 ; Year 6: Minimum $1,505.95 , Maximum $2,508.97 ; Years 7-30: Minimum $1,505.95 , Maximum $2,937.75 . 7/6 ARM; Years 1-7: Minimum $1,932.71 , Maximum $1,932.71 ; Years 8-30: Minimum $1,533.26 , Maximum $2,921.73 . 10/6 ARM; Years 1-10: Minimum $1,987.26 , Maximum $1,987.26 ; Years 11-30: Minimum $1,584.18 , Maximum $2,884.26 . |
| † 5% down (95% financing) available on owner-occupied on a purchase transaction primary residence loan amounts of up to $2,500,000 on approved credit. 5% down payment must be from borrower's own source of funds and does not include non-lender paid fees, impounds, or reserves. Other financing options are available. Private Mortgage Insurance (PMI) is required. |
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