Home Loans

PFCU Home Loans
Home Loan Amount Financed Term     A+      A      B      C     D      E
1st Mortgage

Up to 80% LTV

Up to 15yrs 3.875% 4.000% 4.125% 4.250% 4.375% 4.500%
Annual Percentage Rate (A.P.R.) 4.067% 4.192% 4.250% 4.441% 4.566% 4.691%
1st Mortgage 80.1% to 85% LTV Up to 15yrs 4.000% 4.125% 4.250% 4.375% 4.500% 4.625%
Annual Percentage Rate (A.P.R.) 4.192% 4.316% 4.441% 4.566% 4.691% 4.816%
 
2nd Mortgage Up to 80% LTV Up to 15yrs 4.875% 5.500% 5.875% 6.250% 6.375% 6.500%
Annual Percentage Rate (A.P.R.) 5.066% 5.690% 6.065 6.439% 6.564% 6.689%
2nd Mortgage 80.1% to 90% LTV Up to 15yrs 5.500% 5.875% 6.250% 6.375% 6.500% 6.625%
Annual Percentage Rate (A.P.R.) 5.690% 6.065% 6.439 6.564% 6.689% 6.814%
 
HELOC Freedom Line 90% LTV Draw 8yrs, Amort 18yrs 4.00%* 4.00% 4.25% 5.25% 6.25% 7.25%
Annual Percentage Rate (A.P.R.) 4.00% 4.00% 4.25% 5.25% 6.25% 7.25%
 
Construction Loans and  Investment Properties Call for details      

Rates as of February 14, 2014.

* HELOC rates are based on Prime rate +/- margin with a floor of 4.00%. The margin is determined by the borrowers credit score. The maximum APR that may be imposed is 18% APR. The rate floor on a non-primary residence is 4.50% APR.  Investment properties and second homes are capped at 75% LTV for a fixed rate mortgage and 65% LTV on a Freedom Line.  Second homes are assigned the regular rate.

*LTV is Loan to Value

*Annual Percentage Rate (APR) is accurate as of publication date and is subject to change. APR is based on qualified credit. For example, a 1st mortgage with 180 payments of $5.82 per thousand borrowed at 3.927% APR and a 2nd mortgage with 180 payments of $6.07 per thousand borrowed at 4.551% APR.  The payments do not include amounts for taxes and insurance premiums, if applicable, and that the actual payment obligation will be greater. All loans subject to credit approval. Other conditions may apply. Application fee may apply. All rates are based on an evaluation of credit history, so your rate may vary. All rates are subject to change. 

# Only on qualifying second lien mortgage amounts under $100,000 on 80% of tax assessed value. All loans on approved credit and require application and membership. This loan is not available to refinance PFCU loans.