Home Loan Rates


Effective as of February 1st, 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%
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 - 6.625%
0 Points - 6.826%
15 year 1.00 Points - 6.125% 1.00 Points - 6.484%
10 year 0 Points - 6.500%
0 Points - 6.781%
10 year 1.00 Points - 6.000% 1.00 Points - 6.505%

*APR= Annual Percentage Rate. Calculate estimated paymentThe 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, 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.

 


HOMEFREE HOME LOANS 
TERM   APR*
15 year**
as low as 6.625%
12 year term** as low as 6.375%
10 year term** as low as 6.250%
8 year term** as low as 6.125%
6 year term** as low as 6.000%
 *APR=Annual Percentage Rate
 **
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. Calculate estimated payment

HOME EQUITY LINES OF CREDIT
TERM APR* FLOOR RATE
80% LTV** Prime Rate + 0.00%, as low as 8.50% 3.00%
90% LTV** Prime Rate + 0.25%, as low as 8.75% 3.25%
Jumbo (Over $200K) Max 80% LTV** Prime Rate + 1.00%, as low as 9.50% 4.00%

*APR=Annual Percentage Rate
** 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.


HOME EQUITY - FIXED
TERM   APR*
5 yr, 80% LTV** as low as 6.875%
5 yr, 90% LTV** as low as 7.375%
5 yr, 95% LTV** as low as 7.875%
10 yr, 80% LTV** as low as 7.375%
10 yr, 90% LTV** as low as 7.875%
10 yr, 95% LTV** as low as 8.375%
15 yr, 80% LTV** as low as 7.875%
15 yr, 90% LTV** as low as 8.375%
15 yr, 95% LTV** as low as 8.875%
 *APR=Annual Percentage Rate
**
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. Calculate estimated payment Property and flood insurance may be required. Rates are subject to change.

JUMBO HOME EQUITY - FIXED (OVER 200K)
TERM    APR*
10 yr, max. 80% LTV** as low as 7.875%
15 yr, max. 80% LTV** as low as 8.375%
 *APR=Annual Percentage Rate

** 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.



 

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