Mortgage Rates

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Mortgage Rates

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Rates as of September 18, 2019.

Conventional First Mortgage Loans Rate   Discount   APR*
30 Year Fixed Rate 3.875% (.125%) 3.956%
20 Year Fixed Rate 3.625% (.125%) 3.736%
15 Year Fixed Rate 3.375% .000% 3.462%
10 Year Fixed Rate 3.250% .125% 3.402%
3/1 Adjustable Rate 3.125% .000% 4.174%
5/1 Adjustable Rate 3.500% (.125%) 4.138%
7/1 Adjustable Rate 3.500% .000% 4.049%
10/1 Adjustable Rate 3.750% .250% 4.098%
Please contact your loan officer.      
Jumbo First Mortgage Loans      
Jumbo 30 Year Fixed Rate 4.250% .000% 4.311%
Jumbo 15 Year Fixed Rate 3.625% .000% 3.657%
Jumbo 7/1 Adjustable Rate 3.375% .000% 3.960%
Fixed Rate Home Equity Loans APR**    
Up to 60 Months as low as 5.50%    
61-120 Months as low as 6.00%    
121-180 Months as low as 6.50%    
Home Equity Lines of Credit APR***    
Up to 120 Months as low as 5.50%  

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*Annual Percentage Rate (APR) is the cost of the loan in percentage terms taking into account various loan charges such as Prepaid Finance Charges (discount points, processing and underwriting fees, flood certificate, tax service, closing and wire fees, prepaid interest) and Private Mortgage Insurance (if applicable). Our average loan amount and LTV is assumed on all products. Variables such as LTV, CLTV, credit score, Cash-Out, occupancy and property type etc. could affect rate and APR. Rates and fees are subject to change without notice. All above captioned APRs reflect a minimum 20% down payment. 

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.  Please contact a Westerra Credit Union Loan Officer at 303-321-4209 for more details. 

**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.

***Annual Percentage Rate. Variable rates are based on individual credit history and are subject to change without notice. Rates adjusted on the first day of the month following a change in Prime Rate, as published in the Wall Street Journal. 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. Advertised rate is for Loan to Value (LTV) of 80% or less. Minimum loan amount is $5,000. Minimum monthly payment is $50. A balloon payment may result. Property insurance and security interest in property required. No closing costs on owner-occupied properties for loan amounts of $100,000 or less. If an appraisal is needed, a fee will be assessed. Other loan closing costs may range from $175-$275. Federally insured by the National Credit Union Administration. Equal Housing Lender. Westerra NMLS 421606. To determine your payment amount, click here to use the payment calculator.