Members 1st Federal Credit Union - Mortgage Loan Rates

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Mortgage Loan Rates


Are you a first time home buyer? Maybe you're looking to get something bigger? We offer first mortgage loans, unimproved land loans, construction loans and a pre-approval program so that you know how much house you can afford. Ask one of our mortgage specialists for help in deciding which mortgage program will best suit your individual needs and budget. Apply right now online.

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Your rate may vary from what is listed.  Your interest rate
will be based on your credit history, current credit report,
and LTV(loan to value).

All rates are expressed as ANNUAL PERCENTAGE RATES.
Rates are subject to change without notice.

Loan rates as low as those listed below are effective
Thursday, March 18, 2010




Conforming Fixed Rates

95% LTV to $417,000
TermRatePointsAPR 
 30 Year 5.00  0.000 5.041 Estimate Payment
For example a $100,000 Conforming Fixed Rates mortgage with 0.000 points and a 30 year term at 5.00%, the sample estimated monthly payment may be $536.82.
 30 Year 4.75  1.375 4.912 Estimate Payment
For example a $100,000 Conforming Fixed Rates mortgage with 1.375 points and a 30 year term at 4.75%, the sample estimated monthly payment may be $514.47.
 30 Year 4.625  2.250 4.863 Estimate Payment
For example a $100,000 Conforming Fixed Rates mortgage with 2.250 points and a 30 year term at 4.625%, the sample estimated monthly payment may be $502.57.
 30 Year 4.375  3.375 4.710 Estimate Payment
For example a $100,000 Conforming Fixed Rates mortgage with 3.375 points and a 30 year term at 4.375%, the sample estimated monthly payment may be $482.43.
 20 Year 4.75  0.125 4.820 Estimate Payment
For example a $100,000 Conforming Fixed Rates mortgage with 0.125 points and a 20 year term at 4.75%, the sample estimated monthly payment may be $645.42.
 20 Year 4.375  3.125 4.805 Estimate Payment
For example a $100,000 Conforming Fixed Rates mortgage with 3.125 points and a 20 year term at 4.375%, the sample estimated monthly payment may be $606.36.
 15 Year 4.25  0.625 4.414 Estimate Payment
For example a $100,000 Conforming Fixed Rates mortgage with 0.625 points and a 15 year term at 4.25%, the sample estimated monthly payment may be $747.58.
 15 Year 3.75  3.250 4.310 Estimate Payment
For example a $100,000 Conforming Fixed Rates mortgage with 3.250 points and a 15 year term at 3.75%, the sample estimated monthly payment may be $703.59.
Combo Loans Available


PHFA (1st Time Homebuyers)

97% LTV
TermRatePointsAPR 
 30 Year 4.95  0.000 4.991 Estimate Payment
For example a $100,000 PHFA (1st Time Homebuyers) mortgage with 0.000 points and a 30 year term at 4.95%, the sample estimated monthly payment may be $533.77.
Income and loan amount restrictions apply. Call for details.


VA Rates

TermAPRPointsAPR 
 30 Year 4.75  0.250 5.032 Estimate Payment
For example a $100,000 VA Rates mortgage with 0.250 points and a 30 year term at 4.75%, the sample estimated monthly payment may be $520.34.
 30 Year 4.75  0.250 5.032 Estimate Payment
For example a $100,000 VA Rates mortgage with 0.250 points and a 30 year term at 4.75%, the sample estimated monthly payment may be $520.34.
VA Loans are available up to 100% LTV to $417,000.00.


Construction Loans

95% LTV to $417,000
TermRatePointsAPR 
 30 Year 5.125  0.875 5.245 Estimate Payment
For example a $100,000 Construction Loans mortgage with 0.875 points and a 30 year term at 5.125%, the sample estimated monthly payment may be $539.72.
 30 Year 5.00  1.250 5.153 Estimate Payment
For example a $100,000 Construction Loans mortgage with 1.250 points and a 30 year term at 5.00%, the sample estimated monthly payment may be $530.11.
 30 Year 4.75  2.500 5.013 Estimate Payment
For example a $100,000 Construction Loans mortgage with 2.500 points and a 30 year term at 4.75%, the sample estimated monthly payment may be $508.61.
 30 Year 4.625  3.500 4.976 Estimate Payment
For example a $100,000 Construction Loans mortgage with 3.500 points and a 30 year term at 4.625%, the sample estimated monthly payment may be $496.14.
 15 Year 4.625  0.375 4.752 Estimate Payment
For example a $100,000 Construction Loans mortgage with 0.375 points and a 15 year term at 4.625%, the sample estimated monthly payment may be $768.50.
 15 Year 3.375  3.875 4.025 Estimate Payment
For example a $100,000 Construction Loans mortgage with 3.875 points and a 15 year term at 3.375%, the sample estimated monthly payment may be $681.30.
Our Construction financing program has the same great rate for both the construction and the permanent financing.


FHA

TermAPRPointsAPR 
 30 Year 4.875  0.250 5.620 Estimate Payment
For example a $100,000 FHA mortgage with 0.250 points and a 30 year term at 4.875%, the sample estimated monthly payment may be $527.89.
 30 Year 4.375  3.125 5.380 Estimate Payment
For example a $100,000 FHA mortgage with 3.125 points and a 30 year term at 4.375%, the sample estimated monthly payment may be $483.68.


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All APR calculations are based on $75,000 loan amount with 20% down and applicable prepaid finance charges.
This sheet is for informational purposes only, and is subject to change at anytime.
EZ Loan Investment Services