Home Mortgage Rates

Call PFFCU at 215-931-0300 or 800-228-8801 and ask to speak to our knowledgeable Mortgage Advisors, who offer personalized service and a commitment to finding the best mortgage to fit your needs.

Banks, Auto Dealers, and Mortgage Brokers negotiate rates. Why doesn’t PFFCU?

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Mortgage Rates for Tuesday, October 24, 2017

Conventional Fannie Mae
Mortgage Product
Origination Fee or
Lender Credit
Interest RateAPR
30-Year Fixed Rate* 0.25%
20-Year Fixed Rate* 0.29%
15-Year Fixed0%3.375%3.450%
10-Year Fixed0%3.375%3.484%
5/30 ARM0%3.375%3.885%
7/30 ARM0%3.500%3.858%

*Rates stated are for Loan Amounts greater than $100,000, a 740 or higher credit score, an LTV of 80% or less and a 45 day rate lock. Rates are updated twice daily at approximately 9:30 a.m. and 1:30 p.m.
No rate lock deposit required for Conventional Fannie Mae Mortgage products.

*You can reduce your rate by paying an Origination Fee or receive a Lender Credit towards closing costs by paying a higher rate. The Origination Fee and Lender Credit are shown as a percentage of the loan amount.
For example, an Origination Fee of 0.10% of the loan amount equals $100 for every $100,000 borrowed. 
For example, a Lender Credit of -0.10% of the loan amount means PFFCU will pay you at closing $100 for every $100,000 borrowed.

Refi Mortgage
PointsInterest RateAPR
15-Year Fixed Rate0%3.625%3.770%
10-Year Fixed Rate0%3.625%3.835%
5/30 ARM0%3.625%3.997%
7/30 ARM0%3.750%3.999%

*You can select to lock-in your rate for a PFFCU EXPRESS Refi Mortgage for 45 days with a rate lock deposit of $500.

The rates above reflect the lowest available rates. The rate you receive may be higher based on your credit score, mortgage loan-to-value ratio or other loan factors.

Rates are based on loans up to $424,100. For rates on loans exceeding $424,100 (Jumbo loans) please call PFFCU at 215-931-0300 or 800-228-8801 and ask to speak to a Mortgage Advisor to discuss your applicable rate.

You can reduce your rate by paying point(s). One point is equal to 1% of the mortgage loan amount.

A satisfaction fee is charged by the county government when a loan is paid off. PFFCU will collect that fee from you at the closing of your loan.

What is “Rate Lock-In”?

A rate lock-in, also known as rate lock, is an agreement between a borrower and a lender that guarantees a certain interest rate on a mortgage loan for a specified period of time.

If you want to “lock-in” your interest rate, please speak with your Mortgage Advisor or Loan Processor at 267-332-3400.

PFFCU offers the best Home Mortgage rates for members in the Philadelphia area, Bucks County and Montgomery County PA and Mt. Laurel, Cherry Hill and Washington Township, NJ. For Personalized Service, apply for your PFFCU Home Mortgage Loan six-days-a-week in person or by telephone. Visit any of our conveniently located branches in the Philadelphia area, Bucks County, Montgomery County, PA and NJ. Members in the Washington Township, NJ area can stop by our branch on Route 42. Members in the Mt. Laurel, Cherry Hill area can stop by our branch on Lenola Road across from the Moorestown Mall.

Not near a branch? Contact our Call Center at 215-931-0300 or 800-228-8801 and one of our knowledgeable Mortgage Advisors can discuss the best rates and guide you through your Home Mortgage application process.

PFFCU is the best mortgage lender in Bucks County PA, Montgomery County PA, Philadelphia PA, and in NJ too! We also offer best mortgage rates for mortgage refinance Montgomery County PA, Bucks County PA, Philadelphia PA as well as in NJ.