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 4.125%
APR* 4.312%
Payments/$100,000* $1,018.40

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Term 15 Years
Points 0
Rate 4.250%
APR* 4.381%
Payments/$100,000* $752.28

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Term 20 Years
Points 0
Rate 4.375%
APR* 4.478%
Payments/$100,000* $625.92

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Term 30 Years
Points 0
Rate 4.500%
APR* 4.575%
Payments/$100,000* $506.69

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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* 4.125%
*APR* 4.503%
*Payments/$50,000** $509.20
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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 4.250%
APR* 4.381%
Payments/$100,000** $752.28
Apply Now
Term 20 Years
Points 0
Rate 4.375%
APR* 4.478%
Payments/$100,000** $625.92
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Term 30 Years
Points 0
Rate 4.500%
APR* 4.575%
Payments/$100,000** $506.69

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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* 4.958%
*Payments/$100,000** $456.05 - $545.90
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Term 5/3
Points 0
Rate 4.000%
APR* 4.879%
*Payments/$100,000** $477.42 - $543.60
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Term 7/3
Points 0
Rate 4.250%
APR* 4.853%
*Payments/$100,000** $491.94 - $542.22
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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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