Get $475 Off Our Already Low Closing Costs
When You Purchase a Home!
Use Code 475OFF when you apply.+
Rates as of March 6, 2014
|Conventional First Mortgage Loans||Rate||APR*|
|30 Year Fixed Rate||4.500%||4.629%|
|20 Year Fixed Rate||4.250%||4.425%|
|15 Year Fixed Rate||3.375%||3.587%|
|10 Year Fixed Rate||3.125%||3.429%|
|1/1 Adjustable Rate||2.875%||2.918%|
|3/1 Adjustable Rate||3.000%||2.956%|
|5/1 Adjustable Rate||3.625%||3.204%|
|7/1 Adjustable Rate||3.875%||3.420%|
|Fixed Rate Home Equity Loans||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%|| |
|Home Equity Lines of Credit||APR***|| |
|HELOC||as low as 4%||margin as low as -1%|
Find out how much you can save when you use Westerra!
*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 is assumed on all products unless otherwise noted. Additional adds may be required on certain refinance loans. Rates and fees are subject to change without notice. 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.
**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. 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, 2013, 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. A balloon payment may result. 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.
+Mention Promo Code 475OFF to receive $475 off our already low closing costs. No other discounts apply. $475 value is not transferable to cash and will be applied to the closing costs associated with a first mortgage purchase loan financed with Westerra Credit Union. $475 credit on applications received on or after 4/30/13. Limited time offer.