Home Loans
Conforming First Mortgages
Effective Date: Saturday, June 3rd, 2023
Home purchase and refinance rates.
| Conforming Loan | Loan Rate | Loan APR | Example Loan Amount | Monthly Payment Example | Discount 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 Loan | Loan Rate | Loan APR | Example Loan Amount | Monthly Payment Example | Discount 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)
| Name | Rate | Note |
|---|---|---|
| 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
| Name | Loan Rate | Loan APR | Example Loan Amount | Monthly Payment Example | Discount 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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