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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, December 2nd, 2023
Home purchase and refinance rates.
Conforming LoanLoan RateLoan APRExample Loan AmountMonthly Payment ExampleDiscount 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 LoanLoan RateLoan APR*Example Loan AmountMonthly Payment ExampleDiscount 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)
NameAPR*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
NameLoan RateLoan APR*Example Loan AmountMonthly Payment ExampleDiscount 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.

 

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