Mortgages

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Ready to make a move? With PFFCU, you’ll have a financial partner who’s looking out for you.

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Find the Right Home Loan for You

Overview

This traditional home loan product is perfect for financing your forever home.

  • Available in 10-, 15-, 20-, and 30-year terms
  • Allows you to lock in a competitive interest rate
  • Fixed monthly payments to make budgeting easy
  • $395 cash rebate6
FAQs

Get Started Today

The first step is applying for a mortgage pre-approval.7 It’s easy to begin the process online.

Get Started

Rates are effective as of December 13, 2024 and are subject to change.

Conventional Fannie Mae Mortgage ProductOrigination Fee or Lender CreditInterest RateAPR
10-Year Fixed1 30.000%6.000%6.085%
0.375%5.875%6.043%
0.750%5.750%6.001%
1.125%5.625%5.960%
1.500%5.500%5.918%
15-Year Fixed1 30.000%6.000%6.060%
0.375%5.875%5.994%
0.750%5.750%5.927%
1.125%5.625%5.861%
1.500%5.500%5.794%
15-Year Fixed Jumbo2 30.000%6.000%6.016%
0.375%5.875%5.950%
0.750%5.750%5.883%
1.125%5.625%5.816%
1.500%5.500%5.750%
20-Year Fixed1 2 3-0.400%6.625%6.675%
0.006%6.500%6.550%
30-Year Fixed1 2 3-0.232%6.875%6.913%
0.242%6.750%6.812%

Overview

First-time homebuyer? Looking for a larger home? Consider this flexible option.

  • 30-year term
  • Offers lower initial interest rates for the first 5 or 7 years
  • A smart strategy if you’re planning to move within a few years
FAQs

Get Started Today

The first step is applying for a mortgage pre-approval.7 It’s easy to begin the process online.

Get Started

Rates are effective as of December 13, 2024 and are subject to change.

Conventional Fannie Mae Mortgage ProductOrigination Fee or Lender CreditInterest RateAPR
5/30 ARM1 30.000%6.000%6.663%
0.375%5.875%6.649%
0.750%5.750%6.636%
1.125%5.625%6.623%
1.500%5.500%6.610%
7/30 ARM1 30.000%6.125%6.580%
0.375%6.000%6.552%
0.750%5.875%6.524%
1.125%5.750%6.496%
1.500%5.625%6.468%
7/30 ARM Jumbo2 30.000%6.125%6.553%
0.375%6.000%6.525%
0.750%5.875%6.497%
1.125%5.750%6.469%
1.500%5.625%6.442%

Overview

This option is a Fannie Mae mortgage product for borrowers with limited household income and good credit.

  • Buy with a down payment as low as 3%
  • Gives you access to lower interest rates
  • May allow for reduced private mortgage insurance (PMI) payments
FAQs

Get Started Today

The first step is applying for a mortgage pre-approval.7 It’s easy to begin the process online.

Get Started
 

Overview

This borrowing option is ideal for starting or growing your real estate portfolio.

  • Loan amounts as low as $100,000
  • Lock in a competitive fixed rate for 15 or 30 years
  • An option for investors in Pennsylvania, New Jersey, and Delaware8
FAQs

Get Started Today

The first step is applying for a mortgage pre-approval.7 It’s easy to begin the process online.

Get Started

Rates are effective as of December 13, 2024 and are subject to change.

Conventional Fannie Mae Mortgage ProductOrigination Fee or Lender CreditInterest RateAPR
15-Year Fixed Rate Non-Owner Occupied2 3 4 5-0.070%7.125%7.195%
0.195%7.000%7.102%
30-Year Fixed Rate Non-Owner Occupied2 3 4 5-0.343%7.000%7.044%
0.149%6.875%6.933%

Find the Right Home Loan for You

Overview

This traditional home loan product is perfect for financing your forever home.

  • Available in 10-, 15-, 20-, and 30-year terms
  • Allows you to lock in a competitive interest rate
  • Fixed monthly payments to make budgeting easy
  • $395 cash rebate6
FAQs
Conventional Fannie Mae Mortgage ProductOrigination Fee or Lender CreditInterest RateAPR
10-Year Fixed1 30.000%6.000%6.085%
0.375%5.875%6.043%
0.750%5.750%6.001%
1.125%5.625%5.960%
1.500%5.500%5.918%
15-Year Fixed1 30.000%6.000%6.060%
0.375%5.875%5.994%
0.750%5.750%5.927%
1.125%5.625%5.861%
1.500%5.500%5.794%
15-Year Fixed Jumbo2 30.000%6.000%6.016%
0.375%5.875%5.950%
0.750%5.750%5.883%
1.125%5.625%5.816%
1.500%5.500%5.750%
20-Year Fixed1 2 3-0.400%6.625%6.675%
0.006%6.500%6.550%
30-Year Fixed1 2 3-0.232%6.875%6.913%
0.242%6.750%6.812%

Get Started Today

The first step is applying for a mortgage pre-approval.7 It’s easy to begin the process online.

Get Started

Overview

First-time homebuyer? Looking for a larger home? Consider this flexible option.

  • 30-year term
  • Offers lower initial interest rates for the first 5 or 7 years
  • A smart strategy if you’re planning to move within a few years
FAQs
Conventional Fannie Mae Mortgage ProductOrigination Fee or Lender CreditInterest RateAPR
5/30 ARM1 30.000%6.000%6.663%
0.375%5.875%6.649%
0.750%5.750%6.636%
1.125%5.625%6.623%
1.500%5.500%6.610%
7/30 ARM1 30.000%6.125%6.580%
0.375%6.000%6.552%
0.750%5.875%6.524%
1.125%5.750%6.496%
1.500%5.625%6.468%
7/30 ARM Jumbo2 30.000%6.125%6.553%
0.375%6.000%6.525%
0.750%5.875%6.497%
1.125%5.750%6.469%
1.500%5.625%6.442%

Get Started Today

The first step is applying for a mortgage pre-approval.7 It’s easy to begin the process online.

Get Started

Overview

This option is a Fannie Mae mortgage product for borrowers with limited household income and good credit.

  • Buy with a down payment as low as 3%
  • Gives you access to lower interest rates
  • May allow for reduced private mortgage insurance (PMI) payments
FAQs

Get Started Today

The first step is applying for a mortgage pre-approval.7 It’s easy to begin the process online.

Get Started

Overview

This borrowing option is ideal for starting or growing your real estate portfolio.

  • Loan amounts as low as $100,000
  • Lock in a competitive fixed rate for 15 or 30 years
  • An option for investors in Pennsylvania, New Jersey, and Delaware8
FAQs
Conventional Fannie Mae Mortgage ProductOrigination Fee or Lender CreditInterest RateAPR
15-Year Fixed Rate Non-Owner Occupied2 3 4 5-0.070%7.125%7.195%
0.195%7.000%7.102%
30-Year Fixed Rate Non-Owner Occupied2 3 4 5-0.343%7.000%7.044%
0.149%6.875%6.933%

Get Started Today

The first step is applying for a mortgage pre-approval.7 It’s easy to begin the process online.

Get Started

Rates are effective as of December 13, 2024 and are subject to change.

How Much House Can You Afford?

 
Enjoy Additional Savings With HomeAdvantage<sup>®</sup> Enjoy Additional Savings With HomeAdvantage<sup>®</sup>

ADDED SAVINGS

Enjoy Additional Savings With HomeAdvantage®

PFFCU along with HomeAdvantage makes homebuying even easier and more affordable. Access MLS listings, save searches, and get alerts, all in one convenient location. Plus, when you use a HomeAdvantage real estate agent, you’ll get up to 20% of your agent’s commission.9 PFFCU members have earned over $550,000 in cash rewards since the start of this program.

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HOME INSURANCE

Protect Your Biggest Asset With TruStageTM

Your home is your biggest investment, so you want to make sure it’s covered inside and out. But top coverage doesn’t have to come at a top cost. Designed for credit union members like you, the TruStage Auto and Homeowners Insurance Program offers discounted rates along with online convenience and 24/7 claims service.10 Plus, it’s underwritten by Liberty Mutual, one of the biggest providers in America, so the result is a policy you can have confidence in.

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FAQS

Be in the Know

Trust our expert team to handle the home loan process quickly and efficiently, giving you peace of mind all the way through closing. To get started, fill out our online form or give us a call at 267.332.3400.

Request a mortgage pre-approval before you start shopping, so you’ll have a better sense of what you can afford. To get started, fill out our online form or give us a call at 267.332.3400.
More FAQs

We’re Ready to Lend a Hand

Our knowledgeable Mortgage Advisors can help you select the right option for your needs and goals. Call us at 267.332.3400.

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Grow Your Savings

Give your savings a serious boost. Open a Premium Yield Account online today and enjoy:

High yields on balances $2,500 and over
Easy access to funds by phone, Online/Mobile Banking, or at a Branch
Federally insured deposits up to NCUA limits
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More Financial Solutions

You name it. We’ll help you do it. PFFCU offers a full suite of personal banking and lending products.

Disclosures
APR = Annual Percentage Rate NMLS #800659
  1. Rates stated are for Loan Amounts greater than $100,000, a 780 or higher credit score, an LTV of 80% or less and a 60-day rate lock. Rates are updated twice daily at approximately 9:30 a.m. and 2:00 p.m. Cash out Refinances are excluded and may be subject to higher rates. No rate lock deposit required for Conventional Fannie Mae Mortgage products.
  2. You can reduce your rate by paying points or receive a lender credit toward closing costs by paying a higher rate. Points and lender credits are shown as a percentage of the loan amount. For example, Points of 0.10% of the loan amount means you will pay PFFCU at closing $100 for every $100,000 borrowed. A Lender Credit of -0.10% of the loan amount means PFFCU will apply $100 for every $100,000 borrowed to offset your closing costs.
  3. Members are responsible for payment of all mortgage taxes in Florida, including, but not limited to the Documentary Stamp Tax.
  4. Rates stated for jumbo mortgages are for loan amounts greater than $806,500, a 680 or higher credit score, and LTV of 80% or less.
  5. Rates stated for Non-Owner Occupied are for Loan Amounts ≥ $100,000, a 780 or higher credit score, an LTV of 70% or less and a 60-day rate lock. Cash out refinances are excluded and may be subject to higher rates and lower LTV. A minimum 1-year verifiable prior experience owning real estate required for cash out loans and for purchase loans with an >75.01% LTV. Non-Owner Occupied loans not available in Florida.
  6. The $395 cash is a rebate of processing fees and available for first mortgage purchase transactions only; refinances do not qualify. First mortgage purchase products are available for loans up to $1.1 million. This offer is not available on Non-Owner Occupied loans. The offer applies to loans with a completed application date between January 1, 2024 through December 31, 2024, and closing date on or before April 30, 2025. The $395 cash rebate on processing fees will be deposited in your PFFCU Savings Account (S0001) within 15 business days after PFFCU receives the Final Closing Disclosure. Offer is subject to credit approval and underwriting and is subject to change without notice. No other PFFCU Mortgage discounts apply. Contact us for details.
  7. Applying for a pre-approval of mortgage financing requires a hard, tri-merge credit pull, which you authorize by completing the application and may impact your credit score. A pre-approval of mortgage financing is a credit only pre-approval. Final loan approval is subject to review and approval of all income, asset and property verification by underwriting.
  8. Non-Owner Occupied loans not available in Florida.
  9. The HomeAdvantage® program is made available to you through a relationship between PFFCU and HomeAdvantage. Program Cash Rewards are awarded by HomeAdvantage to buyers and sellers who select and use a real estate agent in the HomeAdvantage network. Home buyers or sellers are not eligible for Program Cash Rewards if they use an agent outside this network. Using PFFCU for a mortgage is not a requirement to earn Program Cash Rewards. Program Cash Rewards amount is dependent on the commission paid to the agent. Program Cash Rewards is paid directly by HomeAdvantage and will be paid within 60 days of closing. PFFCU may have specific rules on how your Program Cash Reward will be paid out. Please consult with a PFFCU Mortgage Advisor to get details that may affect you. States and/or major metropolitan areas included in the HomeAdvantage program include: DE, PA, NJ, and FL. HomeAdvantage is a registered trademark of CU Realty Services, LLC. The Program Cash Rewards may be taxable. Police and Fire Federal Credit Union does not provide tax advice; please consult a tax advisor. Offer is subject to change without notice.
  10. The TruStageTM program is offered by TruStage Insurance Agency, LLC. And issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.