Home Loan Policy and Rates

All loans are 0/5 Adjustable Rate Mortgages.

Any signer on a real estate loan must be eligible for membership in this credit union.

APR = Annual Percentage Rate
CLTV = Cumulative Loan To Value

INFORMATION SUBJECT TO CHANGE

First Mortgage Owner Occupied

Max. Loaned*	Max. Term	APR %	Max. CLTV%
$806,500	15 Year	4.73%	75%
$806,500	30 Year	5.23%	75%

* The Maximum Loan amount is $806,500 for “most counties.”

First Mortgage Non-Owner Occupied

Max. Loaned*	Max. Term	APR %	Max. CLTV%
$806,500	15 Year	5.73%	65%
$806,500	30 Year	6.23%	65%

* The Maximum Loan amount is $806,500 for “most counties.”

Home Equity Loan-Owner Occupied

Max. Loaned	Max. Term	APR %	Max. CLTV%
$200,000	10 Year	6.23%	75%
$200,000	20 Year	6.73%	75%

 

Solar Home Equity Loan-Owner Occupied

Max. Loaned	Max. Term	APR %	Max. CLTV%
$100,000	10 Year	5.98%	80%
$100,000	20 Year	6.48%	80%

 

Home Equity Loan Non-Owner Occupied

Max. Loaned	Max. Term	APR %	Max. CLTV%
$200,000	10 Year	8.23%	65%
$200,000	20 Year	9.23%	65%

 

Unimproved Property Loan

Max. Loaned	Max. Term	APR %	Max. CLTV%
$100,000	10 Year	9.23%	60%
$100,000	20 Year	10.23%	60%