Mortgages & Home Loans

* APR=Annual Percentage Rate. 

** Estimated payments above do not include amounts to be held in escrow for real estate taxes and insurance premiums (if applicable). Your actual payment obligation may be greater. Escrow for real estate taxes may be required. Property insurance is required, and flood insurance may be required.

All Rates assume 80% financing with a 20% down payment. For non-conforming rates, contact the Mortgage Department. Index for all Adjustable Rate Mortgages is the weekly average of the U.S. Treasury securities for the applicable term. All rates subject to change daily and can only be guaranteed by HRCU Mortgage Department. Rates may be subject to risk-based adjustments called 'Loan Level Pricing Adjustments' (LLPA) as defined by the most recent Fannie Mae or Internal LLPA matrix.

¹ Fixed for 36 Months and unlike a 3/1 ARM** ours is fixed for the first three years and then rates are subject to change every three years thereafter. The most your rate may increase at each change period/three years would be 2.00%. Rate adjustment increases will not exceed 6.00% over the life of the loan.

² Fixed for 60 Months and unlike a 5/1 ARM** ours is fixed for the first five years and then rates are subject to change every five years thereafter. The most your rate may increase at each change period/5 years would be 2.00%. Rate adjustment increases will not exceed 6.00% over the life of the loan.

³ Fixed for 120 Months and then rates are subject to change every year thereafter. The most your rate may increase each year would be 2.00%. Rate adjustment increases will not exceed 5.00% over the life of the loan.

For more information call 603-332-6840 or toll free at 877-895-6840. NOTE: One point is equal to 1% of the amount financed.

*Annual Percentage Rate (APR) shown is the lowest rate offered.

** Estimated payments above do not include amounts to be held in escrow for real estate taxes and insurance premiums (if applicable). Your actual payment obligation may be greater. Escrow for real estate taxes may be required. Property insurance is required, and flood insurance may be required.

Rates shown above are for Owner Occupied 1-4 units only. Your actual rate will depend on various factors, including, loan product, loan amount, credit score, property value, and other factors. Rates are subject to change without notice.

Estimated payments above do not include amounts to be held in escrow for real estate taxes and insurance premiums, including mortgage insurance (if applicable). Your actual payment obligation may be greater. Escrow for real estate taxes may be required. Property insurance is required, and flood insurance may be required.

Rates shown are quoted on loans with a loan amount of $200,000, with 20% down, and a minimum credit score of 760. Your rate and APR may be higher. Rates may be subject to risk-based adjustments called ‘Loan Level Pricing Adjustments’ (LLPA) as defined by the most recent Fannie Mae or Internal LLPA matrix.

*APR=Annual Percentage Rate.

**Estimated payments above do not include amounts to be held in escrow for real estate taxes and insurance premiums (if applicable). Your actual payment obligation may be greater. Escrow for real estate taxes may be required. Property insurance is required, and flood insurance may be required.

All Rates assume 70% financing with a 30% down payment. NOTE: One point is equal to 1% of the amount financed. NOTE: Must be a current approved buildable lot with current approved utility and septic design at time of application.

*Estimated payments above do not include amounts for taxes and insurance payments. Your payments may be greater. APR=Annual Percentage Rate and assumes a purchase price of $200,000 with a 25% down payment and zero (0) points. Your rate and APR may be higher, all loans priced individually. Rates are subject to change at any time. 75% LTV available to those who qualify. For 75% LTV or non-conforming rates, contact the Mortgage Department.

Fixed-Rate Mortgage loans may be subject to risk-based pricing adjustments known as Loan Level Pricing Adjustments (LLPA) based on the most recent Fannie Mae LLPA chart.

Fixed-Rate Mortgage loans not sold to the secondary market (portfolio loans) may be subject to internal Loan Level Pricing Adjustments (LLPA).

LLPA adjustments consider items such as loan to value, credit score, loan purpose, term and other factors and may cause your rate to be higher.

NOTE: One point is equal to 1% of the amount financed.