Please contact us at 414.486.4500 to obtain closing costs and request a Loan Estimate. Closing costs may vary depending on amount borrowed. 

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Rates last updated on:
Tuesday, October 8, 2019

Loan-to-Value (LTV) 80% and Under

Rates apply to owner-occupied home loans up to 80% Loan-to-Value (LTV). Closing costs start at $400 and do not include appraisal. If required, appraisal is an additional cost of typically $325-470 and is due up front. If refinancing a Prime Financial Credit Union loan, an additional $5,000 borrowed is required to qualify for any fee discounts. Homeowner insurance is required.

Term MonthsAPR1Payment Per $1000
36 3.99% $29.52
49 3.99% $22.58
60 3.99% $18.42
84 4.49% $13.90
120 4.99% $10.61
180 5.75% $8.31
Line of Credit2 Prime Plus 0.00% $10.00

1: APR=Annual Percentage Rate. Rates and terms subject to change. Above rates based upon a credit rating of 740 and above and are subject to change based upon borrower's credit history.

2: Home Equity Line of Credit (HELOC) Prime plus 0.00% rate (as reported in The Wall Street Journal) applies to 700+ credit score. Rate for 620-699 credit score is Prime plus 1.00%. HELOC rate is adjustable, may change monthly and will not exceed 11.25%. HELOC monthly payment per $1000 based upon minimum payment of 1.00% of outstanding balance. Payment example does not include taxes and insurance premiums.


Loan-to-Value (LTV) Over 80%

Rates apply to owner-occupied home loans up to 95% Loan-to-Value (LTV) and are based on credit and Debt-to-Income (DTI) qualifications. Closing costs range from $604 to $754 and do not include appraisal. If required, appraisal is an additional cost of typically $325-470 and is due up front. Homeowner insurance is required.

Term MonthsAPR3Payment Per $1000
36 5.25% $30.06
49 5.25% $23.12
60 5.25% $18.96
84 5.75% $14.46
120 6.25% $11.19
180 6.99% $8.93
Line of Credit4 Prime Plus 1.00% $10.00

3: APR=Annual Percentage Rate. Rates and terms subject to change. Above rates based upon a credit rating of 740 and above and are subject to change based upon borrower's credit history.

4: Home Equity Line of Credit (HELOC) Prime plus 0.00% rate (as reported in The Wall Street Journal) applies to 700+ credit score. Rate for 620-699 credit score is Prime plus 1.00%. HELOC rate is adjustable, may change monthly and will not exceed 11.25%. HELOC monthly payment per $1000 based upon minimum payment of 1.00% of outstanding balance. Payment example does not include taxes and insurance premiums.

Learn About ARMs

New to adjustable rates? The Consumer Financial Protection Bureau's "Consumer Handbook on Adjustable-Rate Mortgages" can help you understand how adjustable-rate mortgages work. 

Learn About Adjustable Rates


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Prime Financial Credit Union
mortgages@primefcu.org
Ph: 414.486.4500
Fax: 414.486.4509
NMLS ID 718926

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