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Rates and Calculators |
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Mortgage Rates for
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Product |
Points |
Interest
Rate |
APR |
3-Year Adjustable Rate |
0% |
5.00% |
5.02% |
5-Year Adjustable Rate |
0% |
5.25% |
5.27% |
7-Year Adjustable Rate |
0% |
5.50% |
5.52% |
10-Year Adjustable Rate |
0% |
5.75% |
5.77% |
30-Year Fixed Rate |
0% |
5.875% |
5.895% |
20-Year Fixed Rate |
0% |
5.75% |
5.777% |
15-Year Fixed Rate |
0% |
5.50% |
5.534% |
10-Year Fixed Rate |
0% |
5.375% |
5.423% |
40-Year Fixed Rate |
0% |
6.25% |
6.267% |
The rates above reflect the lowest
available rates. The rate you receive may be higher, based on
your credit score and/or mortgage loan-to-value.
Rates shown above are for
Traditional and Express Refi Mortgages, as well as for
1-unit and 2-unit vacation-home mortgages. Express Refi
mortgages are not available in 40 year terms. 30
year Express Refi rate is .125% higher than the Traditional
rate shown.
You can reduce your
loan rate by approximately 0.25% for each point (1.0% of
the mortgage loan amount) that you pay. |
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Annual Percentage Rates (APR) are based on loans
up to $417,000. Rates are subject to change.
RATES FOR ADDITIONAL PFFCU MORTGAGE
PRODUCTS |
No Income Verification mortgages typically have
.25% - .375% higher rates than Traditional Mortgages. |
Jumbo ARM Mortgages exceeding $417,000 have a rate
.25% higher than the comparable term non-jumbo product
shown above.
Jumbo Fixed-Rate Mortgages typically have .125%
- .375% higher rates than the comparable term non-jumbo product
shown above. |
No Private Mortgage Insurance (PMI) loans with
as low as 5% down are available. Call for rates. |
No Cost Refi mortgages typically have .25% higher
rates than Express Refi Mortgages. |
No Down Payment mortgages (100% LTV) typically
have .375% - .50% higher rates than Traditional Mortgages. |
Investment Property mortgages typically have .375%
higher rates than Traditional Mortgages. |
Expanded Approval mortgages are available for members
with less-than-perfect credit. Call for rates. |
Call PFFCU at 215/931-0300 or 800/228-8801 and ask to speak with
a Mortgage Advisor, who will offer personalized service and a commitment
to finding the right mortgage for you. |
In order to guarantee today's rate, you must lock
in your rate. You have the option of locking in your rate from the
time you submit a completed mortgage application, up until four (4)
calendar days before closing. If you choose not to lock in your rate,
it will be locked in automatically three (3) calendar days prior
to closing. The submission of a mortgage application does not
guarantee that your mortgage rate will be that which is available
at the time of submission. You can lock your interest rate only
after your mortgage application has been approved by PFFCU. Please call
to speak with a Mortgage Advisor, who will complete your Rate Lock
Certification Form.
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 our loan.
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