GFA Federal Credit Union

Home Mortgage Rates

Effective Date:

 

Fixed Rate Mortgage - Conventional up to $484,350.00

Term
Points
Rate
Annual Percentage Rate (APR)
Payments/$100,000**
Term 10 Years
Points 0
Rate 3.625%
APR* 3.811%
Payments/$100,000* $994.72

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Term 15 Years
Points 0
Rate 3.750%
APR* 3.879%
Payments/$100,000* $727.22

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Term 20 Years
Points 0
Rate 3.875%
APR* 3.976%
Payments/$100,000* $599.41

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Term 30 Years
Points 0
Rate 4.000%
APR* 4.073%
Payments/$100,000* $477.42

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Bi-weekly rates available.
*Annual Percentage Rate = APR
**Payment does not include taxes and insurance; actual payments may be greater.
Home owners insurance may be required.
Rates subject to change.

Decade Mortgage

Decade Mortgage
Term
Rate
Annual Percentage Rate (APR)
Payments/$50,000**
 
*Term* 10 Years
*Rate* 3.625%
*APR* 3.999%
*Payments/$50,000** $497.36
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$250.00 closing cost credit.
*Annual Percentage Rate = APR
**Payment does not include taxes and insurance; actual payments may be greater.
Homeowners insurance may be required.
Rates subject to change without notice.
Requires automatic payment from a GFA checking account, and active direct deposit into checking account within 60 days of closing.
Maximum loan 80% loan-to-value. This program is not available to refinance current GFA mortgages.

Jumbo Fixed Rate Mortgages - Loan Amounts $484,350.01 and above*

Term
Points
Rate
Annual Percentage Rate (APR)
Payments/$100,000**
Term 15 Years
Points 0
Rate 3.750%
APR* 3.879%
Payments/$100,000** $727.22
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Term 20 Years
Points 0
Rate 3.875%
APR* 3.976%
Payments/$100,000** $599.41
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Term 30 Years
Points 0
Rate 4.000%
APR* 4.073%
Payments/$100,000** $477.42

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*Annual Percentage Rate = APR  Jumbo Mortgages are for homes greater than $453,100.01 used for the purchase of a new home.  Terms and conditions may apply.
**Payment does not include taxes and insurance; actual payments may be greater.
 Home owners insurance may be required.
 Rates subject to change.

Adjustable Rate Mortgages

Term
Points
Rate
Annual Percentage Rate (APR)*
Payments/$100,000**
Term 3/3
Points 0
Rate 3.625%
APR* 4.823%
*Payments/$100,000** $456.05 - $535.73
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Term 5/3
Points 0
Rate 3.750%
APR* 4.676%
*Payments/$100,000** $477.42 - $531.84
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Term 7/3
Points 0
Rate 4.000%
APR* 4.642%
*Payments/$100,000** $491.94 - $530.23
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*The Annual Percentage Rate (APR) may increase after consummation.
**Variable interest rates. The initial interest rate may reflect a discount or premium.
 Payment does not include taxes and insurance; actual payments may be greater.
Rates are subject to change without notice.
Homeowners insurance may be required.

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