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Experience the joy of home ownership! The variety of Home Loan programs offered by Foothill Federal Credit Union gives you greater flexibility in obtaining just the right financing option for your next Home Loan.
 
RETIRE YOUR MORTGAGE...
5 year
7 Year
10 year
15 Year
30 Year
Conforming Loans
15 year
20 year
30 Year
Conforming High Balance Fixed Rate Product
30 year
15 year
Adjustable Rate Mortgages
3/1 ARM
5/1 ARM
7/1 ARM
Jumbo Fixed Rate Special

RETIRE YOUR MORTGAGE...

         with our Short Term Fixed Rate Mortgages. NO CLOSING COSTS!


5 year
Term: 5 years   Maximum Amount: $417,000
RatesAPRPoints
3.25%3.25%0%

7 Year
Term: 7 years   Maximum Amount: $417,000
RatesAPRPoints
3.375%3.375%0%

10 year
Term: 10 years  
RatesAPRPoints
3.5%3.5%0%

15 Year
Term: 15 years  
RatesAPRPoints
3.625%3.625%0%

30 Year
Term: 30 years  
RatesAPRPoints
4.25%4.25%0%
 

NO CLOSING COST

***No closing cost options apply to refinance only.  Closing costs paid by the lender include appraisal, credit report, document preparation, tax service, and similar fees.  You are responsible for property taxes, insurance, and homeowner association dues.  The 5 and 10 Year options are subject to an early closure fee up to $1,500, if the loan is closed within 24 months.  The 30 and 15 Year options - Loan amounts from $300K to $417K are priced as shown.  Loan amounts $250K - $299,999 add .125 to the rate.  Loan amounts $200K - $249,999 add .25 to the rate.


Conforming Loans

Loan amount up to $417,000.  Maximum loan to value of 90% with a minimum credit score of 680.

Term: 30 years   Maximum Amount: $417,000

15 year
RatesAPRPoints
3.125%3.459%1.5%
3.25%3.478%0.75%
3.375%3.496%0%

20 year
RatesAPRPoints
3.5%3.762%1.5%
3.625%3.804%0.75%
3.75%3.845%0%

30 Year
RatesAPRPoints
3.75%3.939%1.5%
3.875%4.005%0.75%
4%4.131%0%

Conforming High Balance Fixed Rate Product

Limits based on Geographic Location

Term: 30 years  

30 year


RatesAPRPoints
3.875%4.038%1.375%
4%4.103%0.625%
4.125%4.177%0%
 

 


15 year
RatesAPRPoints
3.125%3.357%1%
3.25%3.411%0.5%
3.375%3.465%0%

Adjustable Rate Mortgages

3/1 ARM

The APR for adjustable rate mortgages are based on the weekly average of the 1-year Constant Maturity Treasury rate. The APR's are based on closing cost of $2,500 on loan amounts of $300,000. Adjustable Rate Mortgages include a margin of 2.500%  with a maximum cap rate per adjustment of 1% and ceiling rate of 4% over the start rate.

Term: 30 years   Maximum Amount: $417,000
RatesAPRPoints
2.375%2.424%0%
 

 


5/1 ARM

The APR for adjustable rate mortgages are based on the weekly average of the 1-year Constant Maturity Treasury rate. The APR's are based on closing cost of $2,500 on loan amounts of $300,000. Adjustable Rate Mortgages include a margin of 2.500%  with a maximum cap rate per adjustment of 1% and ceiling rate of 4% over the start rate.

Term: 30 years   Maximum Amount: $417,000
RatesAPRPoints
2.625%2.675%0%
 

 


7/1 ARM

The APR for adjustable rate mortgages are based on the weekly average of the 1-year Constant Maturity Treasury rate. The APR's are based on closing cost of $2,500 on loan amounts of $300,000. Adjustable Rate Mortgages include a margin of 2.500%  with a maximum cap rate per adjustment of 1% and ceiling rate of 4% over the start rate.

Term: 30 years   Maximum Amount: $417,000
RatesAPRPoints
2.875%2.926%0%
 

 


Jumbo Fixed Rate Special
FICO Score must be 750 or greater

Term: 30 years   Maximum Amount: $750,000
RatesAPRPoints
3.875%4.042%0%


Rates shown are subject to change anytime without notice and are not intended to be inclusive or a commitment to the pricing for which you may qualify. Pricing is based on credit history, loan to value (LTV), occupancy, property type, loan amount, loan purpose, and income/financial obligations. The annual percentage rate (APR) for first trust deeds in this disclosure are based on the term stated including applicable points and customary closing costs.  Programs available for residential single family, townhouse, condominiums or PUD properties located in California; condominiums and PUD type properties may have a higher rate and additional pricing adjustments due to property type. Non-owner occupied programs are available.

Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $424,100 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $8,340. Jumbo Loans (whose maximum loan amount exceed $424,100 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $625,500 with closing costs of $12,510. Your actual APR may be different depending upon these factors.