Home Loan Rates

Effective as of November 12th, 2024

FIXED FIRST MORTGAGES
TERM	RATE	APR*
30 year	0 Points - 7.000%	0 Points - 7.125%
30 year	0.75 Points - 6.625%	0.75 Points - 6.822%
30 year - 100% Financing	0 Points - 7.375%	0 Points - 7.503%
30 year - 100% Financing Physician's Loan	0 Points - 7.250%	0 Points - 7.377%
20 year	0 Points - 6.875%	0 Points - 7.037%
20 year	1.00 Points - 6.375%	1.00 Points - 6.663%
15 year	0 Points - 6.375%	0 Points - 6.574%
15 year	0.75 Points - 6.000%	0.75 Points - 6.317%
10 year	0 Points - 6.375%	0 Points - 6.656%
10 year ARM	0 Points - 6.375%	0 Points - 6.993%
7 year ARM	0 Points - 6.125%	0 Points - 7.078%
5 year ARM	0 Points - 5.875%	0 Points - 7.184%
APR= Annual Percentage Rate. Calculate estimated payment.* The monthly payment shown does not include taxes, insurance or other applicable escrows. The actual payment obligation will be greater when these are applied. Annual percentage rates are based upon a $250,000 loan amount and 80% loan-to-value ratio for a conventional loan with no mortgage insurance. Rates and APRs displayed are base rates and do not reflect loan level price adjustments for credit, LTV, income, or other factors. Rates are subject to change at any time. Your interest rate may be different based upon the circumstances of your specific loan.

Effective as of November 1st, 2024

HOMEFREE HOME LOANS
TERM		RATE	APR*
15 year**	as low as	6.500%	6.549%
12 year**	as low as	6.250%	6.307%
10 year**	as low as	6.125%	6.190%
8 year**	as low as	6.000%	6.078%
6 year**	as low as	5.875%	5.975%
APR=Annual Percentage Rate. APR based on $200,000 loan amount. Calculate estimated payment.* **Rates are determined by an evaluation of the applicant’s credit, loan-to-value (LTV), and upon refinancing your non-JHFCU loan. Your actual rate may vary. Down payment may be required. Property and flood insurance may be required, therefore the actual payment obligation would be greater. Rates are subject to change.

HOME EQUITY - FIXED
TERM		RATE	APR*
5 year, 80% LTV**	as low as	6.750%	6.885%
5 year, 90% LTV**	as low as	7.250%	7.395%
5 year, 95% LTV**	as low as	7.750%	7.905%
10 year, 80% LTV**	as low as	7.250%	7.328%
10 year, 90% LTV**	as low as	7.750%	7.834%
10 year, 95% LTV**	as low as	8.250%	8.340%
15 year, 80% LTV**	as low as	7.750%	7.810%
15 year, 90% LTV**	as low as	8.250%	8.315%
15 year, 95% LTV**	as low as	8.750%	8.820%
APR=Annual Percentage Rate. APR based on $200,000 loan amount. Calculate estimated payment.* **Rates are determined by an evaluation of the applicant’s credit, loan-to-value (LTV), and term. Your actual rate may vary. Down payment may be required. Property and flood insurance may be required. Rates are subject to change.

JUMBO HOME EQUITY - FIXED (OVER 200K)
TERM		RATE	APR*
10 year, max. 80% LTV**	as low as	7.750%	7.830%
15 year, max. 80% LTV**	as low as	8.250%	8.312%
APR=Annual Percentage Rate. APR based on $500,000 loan amount. Rates are determined by an evaluation of the applicant’s credit and term. Your actual rate may vary. Down payment may be required.* *Calculate estimated payment*. Property and flood insurance may be required. Rates are subject to change.

HOME EQUITY LINE OF CREDIT
INTRODUCTORY APR FOR 12 MONTHS: 6.49 APR*
TERM		APR*	FLOOR RATE
80% LTV**		Prime Rate + 0.00%, as low as 8.00%	3.00%
90% LTV**		Prime Rate + 0.25%, as low as 8.25%	3.25%
Jumbo (Over $200K) Max 80% LTV**		Prime Rate + 1.00%, as low as 9.00%	4.00%
APR=Annual Percentage Rate. The initial rate for the Introductory Rate Home Equity Line of Credit is a fixed rate for 12 months and not based on the index and margin used for the subsequent rate adjustments. For new loans only.* ** Rates are determined by an evaluation of the applicant’s credit and loan-to-value (LTV). Your actual rate may vary. Down payment may be required. Property and flood insurance may be required. Maximum rate is 18% APR. Rates can change monthly and are based on the Prime Rate as published in the Wall Street Journal on the 25th of the month.

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