Real Estate Loan Rates
Rates accurate as of September 2, 2010
Choose from one of the following rates:
› Real Estate/Mortgage Rates
› Loan Rates
› Savings Rates
› Certificate & IRA Rates
Conventional First Mortgage Loans
| Product | Rate | APR* |
| 30 Year Fixed Rate | 4.375% | 4.505% |
| 40 Year Fixed Rate*** |
4.625% |
4.733% |
| 20 Year Fixed Rate | 4.000% | 4.176% |
| 15 Year Fixed Rate | 3.750% | 3.974% |
| 10 Year Fixed Rate | 3.500% | 3.823% |
| 1/1 Adjustable Rate (ARM) | 1.875% |
2.908% |
| 3/1 Adjustable Rate (ARM) | 3.000% | 3.011% |
| 5/1 Adjustable Rate (ARM) | 3.250% | 3.115% |
| 7/1 Adjustable Rate (ARM) | 3.625% | 3.341% |
*Annual Percentage Rate is the cost of the loan in percentage terms taking into account various loan charges such as Prepaid Finance Charges (loan origination fees, flood certificate, tax service, and processing fee) and PMI if applicable. Maximum 80% LTV and 1.00% origination fee plus $150 application fee is assumed on all products unless otherwise noted. Additional adds may be required on certain refinance loans. To determine your payment amount, click here to use the payment calculator.
Rates are based on individual credit history and are subject to change without notice. Rates are conventional-conforming loans only. Other rates and terms may apply for Jumbo and nonconforming/specialty portfolio programs. Zero Closing Costs loans are available. Please contact a Westerra Credit Union Loan Officer at 303-321-4209 for more details.
Fixed Rate Home Equity Loans
| Term | APR* |
| Up to 60 Months | as low as 5.99% |
| 61 - 120 Months | as low as 6.49% |
| 121 - 180 Months | as low as 6.99% |
*Annual Percentage Rate. Borrow up to 90% of loan to value (LTV) of your property (Maximum loan amount of $200,000). Add .50% fee for investment (rental) properties. Rates are based on individual credit history. To determine your payment amount, Click here to use the payment calculator.
Home Equity Lines of Credit (HELOC)
| Product | APR* |
| HELOC** | as low as Prime 4 + 0%*** |
*Annual Percentage Rate. **Borrow up to 90% of your home's equity. Add .50% fee for investment (rental) properties. Full closing costs applied for out-of-state properties and non-owner occupied properties. Non-ownver occupied and loans over $100,000 are subject to a Flood Fee of $10. Other closing costs may range from $513 to $1,013 for HELOCs over $100,000 and non-ownver occupied loans. Prime is the Wall Street Journal Prime Rate as published daily in the "Money Rates" table of The Wall Street Journal. ***Prime Rate floor of 4%. Annual Percentage Rate may vary. Maximum Annual Percentage Rate is 18% APR. To determine your payment amount, click here to use the payment calculator.
.png "Fraud Alerts"){kind=small}
