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Mortgage Rates

Effective Date: Saturday, November 9, 2024

Mortgage Rates

TypeInterest RatePointsAPR*Monthly Payment/$1,000
30 Year Fixed6.125%1.506.345%$6.08Apply Now
30 Year Fixed 6.625%0.006.702%$6.40Apply Now
20 Year Fixed6.500%0.006.601%$7.46Apply Now
15 Year Fixed6.125%0.006.250%$8.51Apply Now
10 Year Fixed6.000%0.006.177%$11.10Apply Now

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

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.


Adjustable Mortgage Rates

Effective Date: Saturday, November 9, 2024

Adjustable Mortgage Rates

Interest RatePointsAPR*Monthly Payment/$1,000***
3/3 Year ARM16.375%0.006.451%$6.24Apply Now
5/5 Year ARM26.500%0.006.577%$6.32Apply Now
10/1 Year ARM36.625%0.006.702%$6.40Apply Now

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 and the lowest rate (floor rate) will not go below your initial rate.

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 and the lowest rate (floor rate) will not go below your initial rate.

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 and the lowest rate (floor rate) will not go below your initial rate.

 

* APR equals Annual Percentage Rate

** ARM equals Adjustable Rate Mortgage.

*** Payments do not include taxes and insurance, your payment may be greater.

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.

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.


Land Loans

Effective Date: Saturday, November 9, 2024

Land Loans

Interest RatePointsAPR*Monthly Payment/$1,000
Land Loan (20 Year Payment Calculation with your 10 Year Balloon)11.365%0.0011.613%$10.57Apply Now

*APR equals Annual Percentage Rate
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.

Calculators

As you make plans to pursue your goals, these calculators can help you get your finances in order.