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Rates As Low As The rates on the web site may not reflect the most current rate updates Rates effective as of November 17, 2009 9:30 AM Mortgage Loans
**NOTE: THE RATES LISTED BELOW ARE EFFCU'S STARTING BASE INTEREST RATES. THE INTEREST RATE TO BE CHARGED ON A SPECIFIC LOAN WILL BE BASED ON THE LOAN PROGRAM, THE TRANSACTION TYPE, THE CREDIT SCORES OF ALL BORROWERS, THE LOAN TO VALUE OR COMBINED LOAN TO VALUE (LTV/CLTV/HCLTV) RATIOS, THE TYPE OF PROPERTY FINANCED, THE NUMBER OF UNITS WITHIN THE PROPERTY AND IF SECONDARY FINANCING WILL APPLY. THE RATE TO BE OFFERED WILL BE DETERMINED ONCE A COMPLETE APPLICATION, INCLUDING PROPERTY ADDRESS AND ALL SUPPORTING DOCUMENTS HAVE BEEN SUBMITTED. COMPLETE APPLICATION PACKAGE MUST BE SUBMITTED FOR RATE AND POINTS TO BE LOCKED. RATE ADJUSTMENTS WILL BE MADE FOR ESCROW WAIVERS AND NO CLOSING COST PROGRAMS UP TO $500,000. EFFCU RESERVES THE RIGHT TO LIMIT THE MAXIMUM LTV/CLTV/HCLTV RATIO THAT IT WILL FINANCE. |
Rates below are based on 0 Points. Click here for Additional Rates >>
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FIXED (Conforming)
Maximum $417,000.00 Minimum $50,000.00
Jumbo Loans, loans Over $417,000.00, are available.
Not available for all programs or property types.
****EFFCU reserves the right to limit the maximum LTV/CLTV/HCLTV ratio that it will finance.
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| Term |
Property Type |
Max LTV*** |
Points* |
Rate |
APR |
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40 year****
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1-4 Family, Owner Occupied Residence, Townhouse & Condos
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90%
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0.00 |
6.000% |
6.336% |
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30 year****
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1-4 Family, Owner Occupied Residence - Townhouse & Condos
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90%
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0.00 |
5.000% |
5.316% |
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20 year****
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1-4 Family, Owner Occupied Residence - Townhouse & Condos
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90%
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0.00 |
5.000% |
5.316% |
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15 year****
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1-4 Family, Owner Occupied Residence - Townhouse & Condos
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90%
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0.00 |
4.500% |
4.807% |
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10 year****
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1-4 Family, Owner Occupied Residence - Townhouse & Condos
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90%
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0.00 |
4.500% |
4.807% |
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Adjustable Rate First Mortgage - Conforming
Maximum $417,000.00 Minimum $50,000.00
Jumbo Loans, loans Over $417,000.00, are available.
Not available for all programs or property types.
***EFFCU reserves the right to limit the maximum LTV/CLTV/HCLTV ratio that it will finance.
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| Term |
Property Type |
Max LTV*** |
Points* |
Rate |
APR |
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1 YEAR ARM
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1-4 Family, Owner Occupied Residence - Townhouse & Condos Margin 2.75% Index 0.56%.
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90%
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0.00 |
4.000% |
4.298% |
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3/1 ARM****
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1-4 Family, Owner Occupied Residence - Townhouse & Condos
Margin 2.75%
Index 0.56%.
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90%
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0.00 |
4.250% |
4.552% |
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5/1 ARM****
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1-4 Family, Owner Occupied Residence - Townhouse & Condos
Margin 2.75%
Index 0.56%.
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90%
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0.00 |
4.625% |
4.934% |
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7/1 ARM****
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1-4 Family, Owner Occupied Residence - Townhouse & Condos
Margin 2.75%
Index 0.36.
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90%
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0.00 |
4.875% |
5.189% |
Rates are subject to change without notice.
*Plus all customary processing and closing costs.
APR = Annual Percentage Rate
APR Assumptions - The Annual Percentage Rate (APR) is calculated on a loan amount of $200,000 for the purchase of a single family residence with a 80% LTV ratio. Your actual APR may vary based on your actual loan amount.
***LTV=Loan-To-Value ratio
LTV values shown are for single family owner occupied residences only for purchase transactions. Refinance transactions may have different LTV requirements. Some restrictions apply on LTV limits on 2-4 family units and manufactured homes. EFFCU reserves the right to limit the maximum LTV/CLTV/HLTV ratio that it will finance.
A JUMBO loan is calculated on a loan amount of $417,000.01 for the purchase or refinance of a single family residence. Your actual APR may vary based on your actual loan amount. | **NOTE: THE RATES LISTED ABOVE ARE EFFCU'S STARTING BASE INTEREST RATES. THE INTEREST RATE TO BE CHARGED ON A SPECIFIC LOAN WILL BE BASED ON THE LOAN PROGRAM, THE TRANSACTION TYPE, THE CREDIT SCORES OF ALL BORROWERS, THE LOAN TO VALUE OR COMBINED LOAN TO VALUE (LTV/CLTV/HCLTV) RATIOS, THE TYPE OF PROPERTY TO BE FINANCED, THE NUMBER OF UNITS WITHIN THE PROPERTY AND IF SECONDARY FINANCING WILL APPLY. THE RATE TO BE OFFERED WILL BE DETERMINED ONCE A COMPLETE APPLICATION, INCLUDING PROPERTY ADDRESS AND ALL SUPPORTING DOCUMENTS HAVE BEEN SUBMITTED. COMPLETE APPLICATION PACKAGE MUST BE SUBMITTED FOR RATE AND POINTS TO BE LOCKED. |
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