|
|
|
| Rates as of Wednesday, July 23, 2008 |
You must be eligible for membership and become a member of the Credit Union prior to the loan closing date.
**Interest rates and loan programs shown are subject to change without notice and assume excellent credit. USAlliance Federal Credit Union is not responsible for any rates that may change prior to an executed rate lock commitment letter.**
The Annual Percentage Rate (APR’s), listed below, is based upon loan to values of 80% or less. Loan to values greater than 80.00% will require private mortgage insurance and your APR will be higher.
A consumer credit report will be obtained in connection with this application. The name and address of the agency and/or agencies providing the credit report will be furnished upon request. A consumer credit report may also be requested in connection with any update, renewal or extension of the credit for which application is made.
The closing costs listed are only estimates. |
| Product Description |
Points |
Origination Fee |
Interest Rate |
APR |
Payment per $1,000 |
Closing Costs |
Apply |
Conforming Interest Only - Please Call for Rates
30 yr fixed, 3/1, 5/1 and 7/1 ARM products
|
Jumbo Interest Only - Please Call for Rates
30 yr fixed, 3/1, 5/1 and 7/1 ARM products
|
First Time Homebuyers Rates
Can not have had an ownership interest in a primary residence within the past 3 years |
| Biweekly Mortgages |
| 30 Year Fixed |
0.000 |
0.000% |
7.375% |
7.444% |
$6.91 |
$2,153.15 |
|
| 20 Year Fixed |
0.000 |
0.000% |
7.375% |
7.464% |
$7.98 |
$2,153.15 |
|
| 15 Year Fixed |
0.000 |
0.000% |
6.500% |
6.607% |
$8.71 |
$2,117.15 |
|
| Conforming Fixed Rates - $25,000 - $417,000 |
| 40 Year Fixed |
0.000 |
0.000% |
7.125% |
7.184% |
$6.31 |
$2,142.80 |
|
| |
1.000 |
0.000% |
6.875% |
7.019% |
$6.12 |
$3,132.60 |
|
| |
1.750 |
0.000% |
6.750% |
6.958% |
$6.03 |
$3,877.35 |
|
| 30 Year Fixed |
0.000 |
0.000% |
6.875% |
6.942% |
$6.57 |
$2,132.60 |
|
|
1.000 |
0.000% |
6.625% |
6.789% |
$6.40 |
$3,122.25 |
|
|
1.500 |
0.000% |
6.500% |
6.713% |
$6.32 |
$3,617.15 |
|
| 20 Year Fixed |
0.000 |
0.000% |
6.750% |
6.837% |
$7.60 |
$2,127.35 |
|
|
0.500 |
0.000% |
6.500% |
6.650% |
$7.46 |
$2,617.15 |
|
|
1.750 |
0.000% |
6.375% |
6.686% |
$7.38 |
$3,862.05 |
|
| 15 Year Fixed |
0.000 |
0.000% |
6.375% |
6.482% |
$8.64 |
$2,112.05 |
|
|
0.750 |
0.000% |
6.125% |
6.350% |
$8.51 |
$2,851.70 |
|
|
1.750 |
0.000% |
5.875% |
6.258% |
$8.37 |
$3,841.50 |
|
| 10 Year Fixed |
0.000 |
0.000% |
6.375% |
6.525% |
$11.29 |
$2,112.05 |
|
|
1.000 |
0.000% |
6.000% |
6.373% |
$11.10 |
$3,096.60 |
|
|
1.750 |
0.000% |
5.750% |
6.290% |
$10.98 |
$3,836.25 |
|
| Jumbo Fixed Rates - $417,001 - $1,000,000 |
| 30 Year Fixed |
0.000 |
0.000% |
9.250% |
9.326% |
$8.23 |
$2,230.10 |
|
| |
1.000 |
0.000% |
8.750% |
8.937% |
$7.87 |
$3,209.55 |
|
| |
2.000 |
0.000% |
7.750% |
8.033% |
$7.16 |
$4,168.45 |
|
| 15 Year Fixed |
0.000 |
0.000% |
8.000% |
8.112% |
$9.56 |
$2,178.80 |
|
| |
1.000 |
0.000% |
7.625% |
7.901% |
$9.34 |
$3,163.35 |
|
| |
2.000 |
0.000% |
6.750% |
7.184% |
$8.85 |
$4,127.35 |
|
| Conforming Adjustable Rates - $25,000 - $417,000 |
| 1 Year Adjustable Rates |
0.000 |
0.000% |
4.625% |
4.876% |
$5.14 |
$2,040.05 |
|
| |
1.000 |
0.000% |
3.875% |
4.898% |
$4.70 |
$3,009.30 |
|
| |
2.000 |
0.000% |
3.375% |
4.942% |
$4.42 |
$3,988.75 |
|
| 3/1 Adjustable Rates |
0.000 |
0.000% |
6.125% |
5.212% |
$6.08 |
$2,101.70 |
|
| |
1.000 |
0.000% |
5.625% |
5.178% |
$5.76 |
$3,081.15 |
|
| |
2.000 |
0.000% |
5.000% |
5.114% |
$5.37 |
$4,055.50 |
|
| 5/1 Conforming Adjustable Rates |
0.000 |
0.000% |
6.375% |
5.491% |
$6.24 |
$2,112.05 |
|
| |
1.000 |
0.000% |
6.000% |
5.436% |
$6.00 |
$3,096.60 |
|
| |
2.000 |
0.000% |
5.625% |
5.381% |
$5.76 |
$4,081.15 |
|
| 7/1 Conforming Adjustable Rates |
0.000 |
0.000% |
6.750% |
5.879% |
$6.49 |
$2,127.35 |
|
| |
1.000 |
0.000% |
6.375% |
5.776% |
$6.24 |
$3,112.05 |
|
| |
1.750 |
0.000% |
6.125% |
5.731% |
$6.14 |
$3,851.70 |
|
| Jumbo Adjustable Rates - $417,001 - $1,000,000 |
| 3/1 Jumbo Adjustable Rates |
0.000 |
0.000% |
6.875% |
5.499% |
$6.57 |
$2,132.60 |
|
| |
1.000 |
0.000% |
6.375% |
5.464% |
$6.24 |
$3,112.05 |
|
| |
2.000 |
0.000% |
5.750% |
5.398% |
$5.84 |
$4,086.25 |
|
| 5/1 Jumbo Adjustable Rates |
0.000 |
0.000% |
6.625% |
5.670% |
$6.40 |
$2,122.25 |
|
| |
1.000 |
0.000% |
6.250% |
5.614% |
$6.16 |
$3,106.80 |
|
| |
2.000 |
0.000% |
5.875% |
5.559% |
$5.92 |
$4,091.50 |
|
| Bridge Loans - 12 months - Interest Only |
| |
1.000 |
0.000% |
6.750% |
6.914% |
$5.63 |
$3,127.35 |
|
| Construction to Permanent Rates - One Time Closing - Please Call for Rates |
Adjustable Rates - Construction
This loan is based upon the Wall Street Prime Rate and is designed for builders |
| 12 month interest only on funds advanced |
1.000 |
0.000% |
5.000% |
5.172% |
$5.37 |
|
|
Adjustable Rates - Commercial
Financing for 6 units or less and can include mix use. |
| 3/1 Adjustable with a 12 Year Balloon |
1.000 |
0.000% |
7.000% |
5.913% |
$6.65 |
$3,137.70 |
|
| 5/1 Adjustable with a 12 Year Balloon |
1.000 |
0.000% |
7.250% |
6.629% |
$6.82 |
$3,147.90 |
|
|
|
