All Real Estate Loan Rates

Mortgage - Fixed Rates

  •  
Term Rate APR Payment Example Per $1,000 Alert Me
30 Yrs 3.750% 3.814% $4.63/Month for 360 months
15 Yrs 3.000% 3.105% $6.91/Month for 180 months
10 Yrs 2.875% 3.027% $9.60/Month for 120 months
5 Yrs 2.750% 3.042% $17.86/Month for 60 months
All payment examples do not include taxes and insurance, therefore actual payment will be greater. Annual Percentage rates effective 9/14/2017 and subject to change. Other rates and terms are available and may apply based on individual credit score. Payment examples based on a loan with 0 points and 20% down payment. Closing costs apply to the above rates. All loans are subject to credit approval and may be subject to secondary market rate adjustments. Higher rates apply for jumbo mortgage products up to $750,000 for the 30 and 15 year fixed mortgage. Maximum loan amount is $200,000 for the 5 and 10 year fixed mortgage.

Mortgage - 5 and 10 Year Fixed Rate, No Points, No Closing Costs

  •  
Term Rate APR Payment example per $1,000 Alert Me
10 Yrs 3.375% 3.375% $9.83/Month for 120 months
5 Yrs 3.250% 3.250% $18.08/Month for 60 months
All payment examples do not include taxes and insurance, therefore actual payment will be greater. Annual percentage rates effective 9/14/2017and subject to change. Other rates and terms are available and may apply based on individual credit score. Payment examples based on a loan with 0 points, 0 closing costs and 20% down payment. Members will be required to pay pre-paid interest and fund a real estate escrow account at closing. All loans are subject to credit approval. Maximum loan amount is $200,000. Not applicable for existing loans.

Veteran Mortgage - First Time Home Buyer

  •  
Term Rate APR Payment Example per $1,000 Alert Me
30 Yrs 4.000% 4.064% $4.77/Month for 360 months
All payment examples do not include taxes and insurance, therefore actual payment will be greater. Annual Percentage rates effective 9/14/2017 and subject to change. Other rates and terms are available and may apply based on individual credit score. Payment examples based on a loan with 0 points. Must be a first time home buyer. Must be able to provide proof of being a veteran. Up to 100% financing available. Closing costs apply to the above rates. All loans are subject to credit approval and may be subject to secondary market rate adjustments. Higher rates apply for jumbo mortgage products up to $750,000.

5/5 Adjustable Rate Mortgage

  •  
5/5 ARM Initial Term Rate Remaining Term Fully Indexed Rate APR Payment Example per $1,000 Alert Me
5 Yrs 4.250% 25 Yrs 4.750% 4.633% 60 monthly payments of $4.92
300 monthly payments of $5.18
All payment examples do not include taxes and insurance, therefore actual payment will be greater. Annual percentage rates effective 9/14/2017 and subject to change. Other rates and terms are available and may apply based on individual credit score. Payment examples based on a loan with 0 points and 20% down payment. Closing costs apply to the above rates. All loans are subject to credit approval. Adjustable rate and payment example is fixed for the first 5 years; then adjusts every 5 years to 3% above the weekly average yield on the 5 year U.S. Treasury Index. Interest rate cap of 2% per adjustment and 6% over the life of the loan apply.

3/3 Adjustable Rate Mortgage

  •  
3/3 ARM Initial Term Rate Remaining Term Fully Indexed Rate APR Payment Example per $1,000 Alert Me
3 Yrs 4.000% 27 Yrs 4.500% 4.449 36 monthly payments of $4.77
324 monthly payments of $5.04
All payment examples do not include taxes and insurance, therefore actual payment will be greater. Annual percentage rates effective 9/14/2017 and subject to change. Other rates and terms are available and may apply based on individual credit score. Payment examples based on a loan with 0 points and 20% down payment. Closing costs apply to the above rates. All loans are subject to credit approval. Adjustable rate and payment example is fixed for the first 3 years; then adjusts every 3 years to 3% above the weekly average yield on the 3 year U.S. Treasury Index. Interest rate cap of 2% per adjustment and 6% over the life of the loan apply.

3/3 Adjustable Rate Mortgage (Investment Property)

  •  
3/3 ARM Initial Term Rate Remaining Term Fully Indexed Rate APR Payment Example per $1,000 Alert Me
3 Yrs 4.625% 27 Yrs 5.000% 4.980% 36 monthly payments of $5.14
324 payments of $5.35
All payment examples do not include taxes and insurance, therefore actual payment will be greater. Annual percentage rates effective 9/14/2017 and subject to change. Other rates and terms are available and may apply based on individual credit score. Payment examples based on a loan with 0 points and 25% down payment. Closing costs apply to the above rates. All loans are subject to credit approval. Adjustable rate and payment example is fixed for the first 3 years; then adjusts every 3 years to 3.50% above the weekly average yield on the 3 year U.S. Treasury Index. Interest rate cap of 2% per adjustment and 6% over the life of the loan apply.

5/3 Adjustable Rate Mortgage (Investment Property)

  •  
5/3 ARM Initial Term Rate Remaining Term Fully Indexed Rate APR Payment Example per $1,000 Alert Me
5 Yrs 5.000% 25 Yrs 5.000% 5.072% 60 monthly payments of $5.37
300 monthly payments of $5.37
All payment examples do not include taxes and insurance, therefore actual payment will be greater. Annual percentage rates effective 9/14/2017 and subject to change. Other rates and terms are available and may apply based on individual credit score. Payment examples based on a loan with 0 points and 25% down payment. Closing costs apply to the above rates. All loans are subject to credit approval. Adjustable rate and payment example is fixed for the first 5 years; then adjusts every 3 years to 3.50% above the weekly average yield on the 3 year U.S. Treasury Index. Interest rate cap of 2% per adjustment and 6% over the life of the loan apply.

Piggyback Fixed Rates

  •  
Term Rate APR Payment Example per $1,000 Alert Me
1st Mortgage - 30 Yrs 3.750% 3.814% $4.63/Month for 360 months
2nd Mortgage - 20 Yrs 4.250% 4.282% $6.19/Month for 240 months
All payment examples do not include taxes and insurance, therefore actual payment will be greater. Annual Percentage rates effective 9/14/2017 and subject to change. Other rates and terms are available and may apply based on individual credit score. Payment examples based on a loan with 0 points and as low as 5% down payment. Closing costs apply to the above rates. All loans are subject to credit approval and may be subject to secondary market rate adjustments. Higher rates apply for jumbo mortgage products up to $750,000. Special restrictions apply. For details, please contact the loan department.

Home Equity Line of Credit (Variable Rate)

  •  Rates Effective 09-20-2017
Rate APR Payment Example per $1,000 Alert Me
Based on 10 year amortization schedule 4.25% 4.25% $2.37/Week
Maximum borrowing amount is $200,000 based on 80% loan to value. Minimum initial advance is $5,000. Subsequent minimum advances are $2,500. Minimum payment will be calculated on a 10 year amortization schedule. APR = Annual Percentage Rate. Variable APR is subject to change without notice. Maximum APR is capped at 16.00%. Minimum APR is 4.25%. Property Insurance is required. No pre-payment penalties. Subject to credit approval. The annual percentage rate is based on the value of an index. The index is the prime rate published in the Money Rates column of the Wall Street Journal. When a range of rates has been published the highest rate will be used. We will use the most recent index value available to us as of 1 day before the date of any annual percentage rate adjustment.

Home Equity Line of Credit Payment Example (Variable Rate)

  •  
Loan Amount APR Weekly Payment # of Weekly Payments Total of Payments Alert Me
$100,000 Based on 10 year amortization schedule 4.25% $236.01 520 $122,724.29

100% Home Equity Line of Credit - (Variable Rate)

  •  Rates Effective 09-20-2017
Rate APR Payment Example per $1,000 Alert Me
Based on 10 year amoritzation schedule 5.75% 5.75% $2.53/week
Maximum borrowing amount is $175,000 based on 100% loan to value. Minimum initial advance is $5,000. Subsequent minimum advances are $2,500. Minimum payment will be calculated on a 10 year amortization schedule. APR = Annual Percentage Rate. Variable APR is subject to change without notice. Maximum APR is capped at 16.00%. Minimum APR is 5.75%. Property insurance is required. No pre-payment penalties. Subject to credit approval. The annual percentage rate is based on the value of an index. The index is the prime rate published in the Money Rates column of the Wall Street Journal. When a range of rates has been published the highest rate will be used. We will use the most recent index value available to us as of 1 day before the date of any annual percentage rate adjustment.

100% Home Equity Line of Credit Payment Example (Variable Rate)

  •  
Loan Amount APR Weekly Payment # of Weekly Payments Total of Payments Alert Me
$100,000 Based on 10 year amortization schedule 5.75% $252.79 520 $131,449.90

Don't forget, payments are easy at BFCU. You can utilize payroll deduction, direct deposit (ACH), set up an automatic payment from your BFCU account, or use our convenient Home Banking feature. And there are never any prepayment penalties.