Home Loans
First Trust Deed
Effective Date: Monday, June 27th, 2022
Home purchase and refinance rates.
| Conforming Loan | Loan Rate | Loan APR | Example Loan Amount | Monthly Payment Example | Discount Points |
|---|---|---|---|---|---|
| 30-yr. Fixed | 5.250% | 5.320% | $330,000 | $1,822 | 0.250 |
| 30-yr. Fixed | 5.000% | 5.147% | $330,000 | $1,772 | 1.125 |
| 30-yr. Fixed | 4.750% | 4.985% | $330,000 | $1,721 | 2.125 |
| 15-yr. Fixed | 4.500% | 4.618% | $330,000 | $2,524 | 0.250 |
| 15-yr. Fixed | 4.250% | 4.480% | $330,000 | $2,483 | 1.000 |
| 15-yr. Fixed | 4.000% | 4.361% | $330,000 | $2,441 | 1.875 |
| 3/1 ARM | 4.250% | 4.583% | $330,000 | $1,623 fixed rate period $1,691 adjustabe rate period |
0.000 |
| 5/1 ARM | 4.375% | 4.579% | $330,000 | $1,648 fixed rate period $1,690 adjustabe rate period |
0.000 |
| 7/1 ARM | 4.500% | 4.610% | $330,000 | $1,672 fixed rate period $1,692 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 | 4.00% | 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 | 5.00% | 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. | ||
