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.

Mortgage Rates for Monday, December 10, 2018


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Conventional Fannie Mae Mortgage ProductOrigination Fee or Lender CreditInterest RateAPR
10-Year Fixed10%4.375%4.540%
15-Year Fixed10%4.375%4.490%
20-Year Fixed Rate1 20.24
30-Year Fixed Rate1 20.56
5/30 ARM10%4.250%5.023%
7/30 ARM10%4.250%4.893%
15-Year Fixed Rate Non-Owner Occupied 10%4.875%4.969%
30-Year Fixed Rate Non-Owner Occupied 1 20.36

1. 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.

2. 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.

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PFFCU EXPRESS Refi MortgagePointsInterest RateAPR
10-Year Fixed Rate10%4.375%4.590%
15-Year Fixed Rate10%4.375%4.524%
20-Year Fixed Rate10%4.625%4.743%
5/30 ARM10%4.250%5.042%
7/30 ARM10%4.250%4.913%
15-Year Fixed Rate Non-Owner Occupied20%4.875%5.027%

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

2. You can select to lock-in your rate for a PFFCU EXPRESS Refi Mortgage for 60 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 $453,100. For rates on loans exceeding $453,100 (Jumbo loans) call PFFCU at 215-931-0300 or 800-228-8801 and ask to speak to a Mortgage Advisor to discuss your applicable rate.

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, call 267-332-3400 to speak with a Mortgage Advisor or Loan Processor.

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


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