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 Friday, August 17, 2018

 

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Conventional Fannie Mae Mortgage ProductOrigination Fee or Lender CreditInterest RateAPR
10-Year Fixed0%4.000%4.164%
15-Year Fixed0%4.000%4.114%
20-Year Fixed Rate*0.27
-0.42
4.375%
4.500%
4.466%
4.592%
30-Year Fixed Rate*0.54
-0.19
4.500%
4.625%
4.567%
4.692%
5/30 ARM0%3.875%4.731%
7/30 ARM0%3.875%4.588%
15-Year Fixed Rate Non-Owner Occupied
(for Refinance Only)*
0%4.625%4.718%
30-Year Fixed Rate Non-Owner Occupied
(for Refinance Only)*
0.53
-0.03
5.125%
5.250%
5.181%
5.306%

*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.


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PFFCU EXPRESS Refi MortgagePointsInterest RateAPR
10-Year Fixed Rate0%4.125%4.339%
15-Year Fixed Rate0%4.125%4.273%
20-Year Fixed Rate0%4.625%4.743%
5/30 ARM0%4.000%4.795%
7/30 ARM0%4.000%4.667%
15-Year Fixed Rate Non-Owner Occupied**0%4.750%4.901%

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

**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.

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, 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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