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Home Loans

Home > Rates > Loan Rates > Home Loans
Home > Rates > Loan Rates > Home Loans

Home Loans

Conforming First Mortgages
Effective Date: Saturday, June 3rd, 2023
Home purchase and refinance rates.
Conforming LoanLoan RateLoan APRExample Loan AmountMonthly Payment ExampleDiscount Points
30 yr. Fixed 6.625% 6.713% $330,000 $2,113 0.375
30 yr. Fixed 6.375% 6.511% $330,000 $2,059 0.875
30 yr. Fixed 6.125% 6.343% $330,000 $2,005 1.750
15 yr. Fixed 6.125% 6.248% $330,000 $2,807 0.250
15 yr. Fixed 5.875% 6.076% $330,000 $2,762 0.750
15 yr. Fixed 5.625% 5.884% $330,000 $2,718 1.125
3/1 ARM 5.375% 6.904% $330,000 $1,848 fixed rate period
$2,248 adjustabe rate period
0.000
5/1 ARM 5.625% 6.726% $330,000 $1,900 fixed rate period
$2,237 adjustabe rate period
0.000
7/1 ARM 5.875% 6.649% $330,000 $1,952 fixed rate period
$2,224 adjustabe rate period
0.000
Visit our Concierge Home Loan Service page for a personalized home purchase or refinance rate quote, and to apply online.
*Loan rates and terms subject to credit and collateral approval. Pricing based on a 740+ FICO score and up to 60% Loan-to-Value (LTV) ratio. Subject to change without notice.

Jumbo First Mortgages
Effective Date: Saturday, June 3rd, 2023
Jumbo home purchase and refinance rates.
Non Conforming LoanLoan RateLoan APRExample Loan AmountMonthly Payment ExampleDiscount Points
30 yr. Fixed 6.625% 6.679% $1,000,000 $6,403 0.375
15 yr. Fixed 6.125% 6.192% $1,000,000 $8,506 0.250
3/1 ARM 5.375% 6.870% $1,000,000 $5,600 fixed rate period
$6,813 adjustabe rate period
0.000
5/1 ARM 5.625% 6.693% $1,000,000 $5,757 fixed rate period
$6,769 adjustabe rate period
0.000
7/1 ARM 5.875% 6.615% $1,000,000 $5,915 fixed rate period
$6,742 adjustabe rate period
0.000
*Loan rates and terms subject to credit and collateral approval. Pricing based on a 740+ FICO score and up to 60% Loan-to-Value (LTV) ratio. Subject to change without notice.

Home Equity Line of Credit (HELOC)
NameRateNote
HELOC Variable APR* as low as 8.00% Depending on the option chosen, each time an advance is taken the payment towards principal and interest (NGFCU does not offer an interest-only repayment option.) may be either amortized over 180 months or to the maturity of the HELOC.
HELOC Fixed APR* as low as 9.00% May elect the Fixed Rate on up to 60% of the approved HELOC limit. Minimum draw $10,000 per disbursement and up to 3 separate disbursements (no add-ons). Fixed rate cannot exceed maturity of the HELOC
*All loans subject to credit approval. Rates subject to change without notice.

Home Equity Loan
Effective Date: Saturday, June 3rd, 2023
NameLoan RateLoan APRExample Loan AmountMonthly Payment ExampleDiscount Points
15 yr. Fixed 8.490% 8.490% $50,000 $492 0
15 yr. Fixed 8.490% 8.490% $100,000 $984 0
15 yr. Fixed 8.490% 8.490% $250,000 $2,460 0
20 yr. Fixed 8.615% 8.615% $50,000 $438 0
20 yr. Fixed 8.615% 8.615% $100,000 $875 0
20 yr. Fixed 8.615% 8.615% $250,000 $2,188 0
*All loans subject to credit approval. Pricing based on a 740+ FICO score and up to 60% Loan-to-Value (LTV) ratio. Rates subject to change without notice.

 

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