current rates

Home Loan Rates

Rates as of current date. Rates subject to change at any time. Contact Us to verify current rates.

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Mortgages

Loan Type
Term
Points
Rate
APR* as low as

Fixed First Mortgage

Term
30 years
Points
0
Rate
6.500
%
APR* as low as
6.621
%
Term
30 years
Points
.750
Rate
6.250
%
APR* as low as
6.442
%
Term
20 years
Points
0
Rate
6.125
%
APR* as low as
6.283
%
Term
20 years
Points
.875
Rate
5.875
%
APR* as low as
6.142
%
Term
15 years
Points
0
Rate
5.750
%
APR* as low as
5.946
%
Term
15 years
Points
1.000
Rate
5.500
%
APR* as low as
5.852
%
Term
10 years
Points
0
Rate
5.750
%
APR* as low as
6.028
%

First Mortgage 100% Financing

Term
30 years
Points
0
Rate
6.875
%
APR* as low as
6.999
%

First Mortgage Physician's Loan

Term
30 years
Points
0
Rate
6.750
%
APR* as low as
6.873
%

*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.

Loan Type
Term
Points
Rate
APR* as low as

ARM 10 Year

Term
30 Years
Points
0
Rate
5.750
%
APR* as low as
6.163
%

ARM 7 Year

Term
30 Years
Points
0
Rate
5.500
%
APR* as low as
6.162
%

ARM 5 Year

Term
30 Years
Points
0
Rate
5.250
%
APR* as low as
6.196
%

*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.

Homefree Home Loans

Loan Type
Term
Rate
APR* as low as

Homefree Home Loan

Term
15 years
Rate
6.625
%
APR* as low as
6.675
%
Term
10 years
Rate
6.250
%
APR* as low as
6.317
%
Term
5 years
Rate
6.000
%
APR* as low as
6.120
%

*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 Loans

Loan Type
Term
Points
Rate
APR* as low as

Home Equity Fixed

Term
5 yrs; 80% LTV
Points
0
Rate
6.750
%
APR* as low as
6.885
%
Term
5 yrs; 90% LTV
Points
0
Rate
7.250
%
APR* as low as
7.395
%
Term
5 yrs; 95% LTV
Points
0
Rate
7.750
%
APR* as low as
7.905
%
Term
10 yrs; 80% LTV
Points
0
Rate
7.250
%
APR* as low as
7.328
%
Term
10 yrs; 90% LTV
Points
0
Rate
7.750
%
APR* as low as
7.834
%
Term
10 yrs; 95% LTV
Points
0
Rate
8.250
%
APR* as low as
8.340
%
Term
15 yrs; 80% LTV
Points
0
Rate
7.750
%
APR* as low as
7.810
%
Term
15 yrs; 90% LTV
Points
0
Rate
8.250
%
APR* as low as
8.315
%
Term
15 yrs; 95% LTV
Points
0
Rate
8.750
%
APR* as low as
8.820
%

Jumbo Home Equity Fixed

Term
10 yrs; 80% LTV
Points
0
Rate
7.250
%
APR* as low as
7.324
%
Term
15 yrs; 80% LTV
Points
0
Rate
7.750
%
APR* as low as
7.808
%

*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.

Loan Type
Intro APR*
(12 months)
Standard APR* as low as
Floor Rate

HELOC 80% LTV**

Intro APR* (12 months)
5.99
%
Standard APR*
Prime Rate + 0.00% (currently 6.75%)
Floor Rate
3.00% floor rate

HELOC 90% LTV**

Intro APR* (12 months)
5.99
%
Standard APR*
Prime Rate + 0.25% (currently 7.00%)
Floor Rate
3.25% floor rate

Jumbo HELOC (Over $200K) Max 80% LTV**

Intro APR* (12 months)
5.99
%
Standard APR*
Prime Rate + 0.00% (currently 6.75%)
Floor Rate
4.00% floor rate

*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.