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NRLFCU Home >> NRLFCU Rates >> Fixed-Rate First Trust Rates

Fixed-Rate First Trust Rates

Effective Date: 5/20/2013

>> Complete Mortgage Rate Sheet

Fixed-Rate Trust Rates
YRS. LTV/LOAN AMT CURRENT RATE PTS APR* LOAN ORIGINATION
40 Years 95% TO $417,000 4.000% 0 4.021% 1.00%
30 Years 95% TO $417,000 3.500% 0 3.526% 1.00%
20 Years 95% TO $417,000 3.375% 0 3.411% 1.00%
15 Years 95% TO $417,000 2.875% 0 2.921% 1.00%
10 Years 95% TO $417,000 2.750% 0 2.816% 1.00%
* Current rates are discounted by .125% for each point you pay up to three points. Call us for APRs.
* When the program selected is an 80-10-10, the Loan Origination is 1%.
* Maximum LTV permitted on a limited cash-out refinance 95%.
* Maximum LTV permitted on a cash-out refinance 80% LTV.
* Members may lock rates 30 days prior to settlement.
* Any first mortgage with a LTV of more than 80% must have PMI.
* The home will be held as collateral.
* Rates listed apply to members with excellent credit scores, loan-to-value (LTV) ratios of up to 95% for purchases and up to 80% for cash-out refinances, where there is no subordinate financing. Members with less than excellent credit scores, higher loan-to-value ratios and /or second trusts or equity loans on their residences may be subject to increased loan origination fees.
* Condominiums:
  • LTV between 80% - 90% (max) to $417,000; 680 minimum credit score
  • Loan amounts between $417,000 - 625,000 limited to 85% maximum LTV, 720 minimum credit score
  • maximum LTV for properties located in Florida is 80%
  • The maximum combined loan to value for primary residence condominiums is 80% and second homes is 75%.

* APR = Annual percentage rate (APR) calculations are based upon a loan amount of $100,000.00 with no PMI, based on 30 year amortization, along with the loan origination fee and $430 assumed for appraisal, mortgage credit report, and flood tracking fee. Your actual APR will also include recording and other fees.


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