Home Loans
First Trust Deed
Effective Date: Monday, September 26th, 2022
Home purchase and refinance rates.
| Conforming Loan | Loan Rate | Loan APR | Example Loan Amount | Monthly Payment Example | Discount Points |
|---|---|---|---|---|---|
| 30-yr. Fixed | 6.250% | 6.336% | $330,000 | $2,032 | 0.375 |
| 30-yr. Fixed | 6.000% | 6.144% | $330,000 | $1,979 | 1.000 |
| 30-yr. Fixed | 5.750% | 5.987% | $330,000 | $1,926 | 2.000 |
| 15-yr. Fixed | 5.875% | 5.997% | $330,000 | $2,762 | 0.250 |
| 15-yr. Fixed | 5.625% | 5.785% | $330,000 | $2,718 | 0.500 |
| 15-yr. Fixed | 5.375% | 5.632% | $330,000 | $2,696 | 2.125 |
| 3/1 ARM | 4.000% | 5.642% | $330,000 | $1,575 fixed rate period $1,922 adjustabe rate period |
0.000 |
| 5/1 ARM | 4.250% | 5.462% | $330,000 | $1,623 fixed rate period $1,954 adjustabe rate period |
0.000 |
| 7/1 ARM | 4.375% | 5.308% | $330,000 | $1,648 fixed rate period $1,937 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)
| Name | Rate | Note |
|---|---|---|
| HELOC Variable APR* as low as | 5.50% | 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 | 6.50% | 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. | ||
