Home Loans
Conforming First Mortgages
Effective Date: Saturday, December 2nd, 2023
Home purchase and refinance rates.
| Conforming Loan | Loan Rate | Loan APR | Example Loan Amount | Monthly Payment Example | Discount Points |
|---|---|---|---|---|---|
| 30 yr. Fixed | 6.750% | 6.814% | $330,000 | $2,140 | 0.125 |
| 30 yr. Fixed | 6.500% | 6.637% | $330,000 | $2,086 | 0.875 |
| 30 yr. Fixed | 6.250% | 6.470% | $330,000 | $2,032 | 1.750 |
| 15 yr. Fixed | 6.375% | 6.479% | $330,000 | $2,852 | 0.125 |
| 15 yr. Fixed | 6.125% | 6.288% | $330,000 | $2,807 | 0.500 |
| 15 yr. Fixed | 5.875% | 6.136% | $330,000 | $2,762 | 1.125 |
| 3/1 ARM | 6.375% | 7.525% | $330,000 | $2,059 fixed rate period $2,371 adjustabe rate period |
0.000 |
| 5/1 ARM | 6.750% | 7.464% | $330,000 | $2,140 fixed rate period $2,365 adjustabe rate period |
0.000 |
| 7/1 ARM | 6.875% | 7.461% | $330,000 | $2,168 fixed rate period $2,336 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, December 2nd, 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 | 7.000% | 7.030% | $1,000,000 | $6,653 | 0.125 |
| 15 yr. Fixed | 6.375% | 6.423% | $1,000,000 | $8,642 | 0.125 |
| 3/1 ARM | 6.375% | 7.489% | $1,000,000 | $6,239 fixed rate period $7,185 adjustabe rate period |
0.000 |
| 5/1 ARM | 6.750% | 7.429% | $1,000,000 | $6,486 fixed rate period $7,168 adjustabe rate period |
0.000 |
| 7/1 ARM | 6.875% | 7.426% | $1,000,000 | $6,569 fixed rate period $7,071 adjustabe rate period |
0.000 |
| *APR = Annual Percentage Rate. 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 | APR* | Note |
|---|---|---|
| HELOC Variable APR*† as low as | 8.50% | 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 | 9.50% | 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 |
| *APR = Annual Percentage Rate. All loans subject to credit approval. Rates subject to change without notice. †Interest rate is variable and may change after loan funding. | ||
Home Equity Loan
Effective Date: Saturday, December 2nd, 2023
| Name | Loan Rate | Loan APR* | Example Loan Amount | Monthly Payment Example | Discount Points |
|---|---|---|---|---|---|
| 15 yr. Fixed | 8.740% | 8.740% | $50,000 | $499 | 0 |
| 15 yr. Fixed | 8.740% | 8.740% | $100,000 | $999 | 0 |
| 15 yr. Fixed | 8.740% | 8.740% | $250,000 | $2,497 | 0 |
| 20 yr. Fixed | 8.865% | 8.865% | $50,000 | $446 | 0 |
| 20 yr. Fixed | 8.865% | 8.865% | $100,000 | $891 | 0 |
| 20 yr. Fixed | 8.865% | 8.865% | $250,000 | $2,228 | 0 |
| *APR = Annual Percentage Rate. 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. | |||||
Rate quote request!
*Required.
