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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: Wednesday, February 8th, 2023
Home purchase and refinance rates.
Conforming LoanLoan RateLoan APRExample Loan AmountMonthly Payment ExampleDiscount Points
30 yr. Fixed 5.875% 5.959% $330,000 $1,952 0.375
30 yr. Fixed 5.625% 5.790% $330,000 $1,900 1.250
30 yr. Fixed 5.375% 5.607% $330,000 $1,848 2.000
15 yr. Fixed 5.125% 5.264% $330,000 $2,631 0.375
15 yr. Fixed 4.875% 5.109% $330,000 $2,588 1.000
15 yr. Fixed 4.625% 4.954% $330,000 $2,546 1.625
3/1 ARM 4.750% 6.621% $330,000 $1,721 fixed rate period
$2,209 adjustabe rate period
0.000
5/1 ARM 4.875% 6.343% $330,000 $1,746 fixed rate period
$2,186 adjustabe rate period
0.000
7/1 ARM 5.000% 6.155% $330,000 $1,772 fixed rate period
$2,164 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. Subject to change without notice.

Home Equity Line of Credit (HELOC)
NameRateNote
HELOC Variable APR* as low as 7.50% 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 8.50% 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: Wednesday, February 8th, 2023
Conforming LoanLoan RateLoan APRExample Loan AmountMonthly Payment ExampleDiscount Points
15 yr. Fixed 7.490% 7.490% $50,000 $463 0
15 yr. Fixed 7.490% 7.490% $100,000 $926 0
15 yr. Fixed 7.490% 7.490% $250,000 $2,316 0
20 yr. Fixed 7.615% 7.615% $50,000 $406 0
20 yr. Fixed 7.615% 7.615% $100,000 $813 0
20 yr. Fixed 7.615% 7.615% $250,000 $2,032 0
*All loans subject to credit approval. Rates subject to change without notice.

 

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Just submit our secure Online Loan Application to set up a HELOC.

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Important Numbers

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