Fixed Rate LUSO Federal Credit Union 2017-04-24 07:48:02 Not Assigned
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Mortgage Rates Effective as of May 22, 2017. Rates are subject to change without notice.

FIXED RATE MORTGAGES

CONFORMING FIXED RATE MORTGAGE / NEW CONSTRUCTION

Owner Occupied / Max Loan $424,100.00
Fees vary and are due at application | Mortgage Construction and Biweekly Mortgage Payment Available at a Rate Increase of 0.25%
PointsTermRateAPRPayment per $1,000
Borrowed
0 Points10 Year3.125%3.334%$9.71
0 Points15 Year3.250%3.394%$7.03
0 Points20 Year3.750%3.864%$5.93
0 Points25 Year4.000%4.095%$5.28
0 Points30 Year4.000%4.083%$4.77
1 Points10 Year3.000%3.416%$9.66
1 Points15 Year3.125%3.411%$6.97
1 Points20 Year3.625%3.850%$5.86
1 Points25 Year3.875%4.064%$5.21
1 Points30 Year3.875%4.039%$4.70
2 Points10 Year2.875%3.495%$9.60
2 Points15 Year3.000%3.427%$6.91
2 Points20 Year3.500%3.836%$5.80
2 Points25 Year3.750%4.031%$5.14
2 Points30 Year3.750%3.993%$4.63

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CONDO & NON CONFORMING FIXED RATE MORTGAGE / NEW CONSTRUCTION

Owner Occupied / Max Loan $424,100.00
Fees vary and are due at application | Mortgage Construction and Biweekly Mortgage Payment Available at a Rate Increase of 0.25%
PointsTermRateAPRPayment per $1,000
Borrowed
0 Points10 Year4.125%4.338%$10.18
0 Points15 Year4.250%4.398%$7.52
0 Points20 Year4.750%4.868%$6.46
0 Points25 Year5.000%5.100%$5.85
0 Points30 Year5.000%5.088%$5.37
1 Points10 Year4.000%4.423%$10.12
1 Points15 Year4.125%4.420%$7.46
1 Points20 Year4.625%4.859%$6.39
1 Points25 Year4.875%5.073%$5.77
1 Points30 Year4.875%5.049%$5.29
2 Points10 Year3.875%4.507%$10.07
2 Points15 Year4.000%4.439%$7.40
2 Points20 Year4.500%4.849%$6.33
2 Points25 Year4.750%5.045%$5.70
2 Points30 Year4.750%5.008%$5.22

– APR: Annual Percentage Rate is based on a $150,000.00 loan amount; Jumbo loan APR is based on a $424,101.00 loan amount.
– Down Payment Requirements: a 20% down payment is required; less than a 20% down payment will require MGIC Insurance; less than a 30% down payment will require real estate tax escrow.
– Rate Lock Policy: LFCU will rate lock for 60 days for a fee of $500.00 and is refunded upon receipt of closing from attorney; fee is non-refundable on withdrawn applications; fee and rate lock are forfeited on loans closed after the 60 day period; fee is automatically refunded on denied applications.
– Loan terms and conditions, including interest rate and/or fees, are subject to change due to the resulting risk rating assigned by the Credit Union’s secondary market investor. Factors used in determining risk ratings include certain loan characteristics such as points, loan amount, loan-to-value, borrower’s credit, property type, occupancy, and loan purpose.
– NON-Owner Occupied (considered COMMERCIAL) annual percentage rates are available upon request; rate is equal to 1.75% above quoted rates above.
– Jumbo loan limits may differ by County per FNMA Guidelines.
– Construction Term Policy: The construction phase is limited to a maximum (12) month period.