Real Estate Loan Rates
Rates accurate as of February 2, 2012 Choose from one of the following rates:
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Conventional First Mortgage Loans
| Product | Rate | APR* |
| 30 Year Fixed Rate | 3.875% | 4.115% |
| 20 Year Fixed Rate | 3.750% | 3.988% |
| 15 Year Fixed Rate | 3.125% | 3.422% |
| 10 Year Fixed Rate | 3.000% | 3.430% |
| 1/1 Adjustable Rate (ARM) | 1.875% |
2.832% |
| 3/1 Adjustable Rate (ARM) | 2.500% | 2.847% |
| 5/1 Adjustable Rate (ARM) | 3.125% | 3.035% |
| 7/1 Adjustable Rate (ARM) | 3.500% | 3.257% |
*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 (powered by http://cucalc.cuna.org).
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 (powered by http://cucalc.cuna.org).
Home Equity Lines of Credit (HELOC)
| Product | APR* |
| HELOC |
as low as 4% |
*APR = Annual Percentage Rate. Variable rates are based on individual credit history and are subject to change without notice. Limited time offer. Rates adjusted on the first day of the month following a change in Prime Rate, as published in the Wall Street Journal. As of April 1, 2011, variable rate for line of credit is 4.0% APR. The rate will not exceed 18% APR. The floor rate is 4% APR. Interest may be tax-deductible, consult your tax advisor. Rate valid for owner-occupied properties. .50% will be added to Prime Rate for non-owner occupied properties. Advertised rate is for Loan to Value (LTV) of 80% or less. Minimum loan amount is $5,000. Minimum monthly payment is $50. Property insurance and security interest in property required. No closing costs on owner-occupied properties for loans $100,000 or less with Preferred or Better Than Free Checking. Other loan closing costs may range from $175-$275. Federally insured by the National Credit Union Administration. Equal Housing Lender. To determine your payment amount, click here to use the payment calculator (powered by http://cucalc.cuna.org).
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