Mortgage Rates
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These rates are for California and North Carolina Primary Residence or Second Home Purchase, 1 Unit, Maximum LTV 60%, Minimum FICO 660, No Subordinate Financing*
Conforming - Minimum loan amounts of $40,000 to loan amounts of $806,500.00
| Loan Product | Rate | APR | Points | Payment Per Thousand |
|---|---|---|---|---|
| 30 Year Fixed | 6.250% | 6.301% | 0.00% | $6.16 |
| 20 Year Fixed | 6.125% | 6.191% | 0.00% | $7.24 |
| 15 Year Fixed | 6.000% | 6.082% | 0.00% | $8.44 |
| 7/1 Adjustable Rate Mortgage (ARM) | 6.000% | 6.366% | 0.00% | $6.00 |
| 5/1 Adjustable Rate Mortgage (ARM) | 5.875% | 6.325% | 0.00% | $5.92 |
| 3/1 Adjustable Rate Mortgage (ARM) | 5.875% | 6.329% | 0.00% | $5.92 |
Super Conforming - Minimum loan amounts of $806,500.01 to loan amounts of $1,209,750 (High Cost Areas as defined by Federal Housing Finance Agency). ttps://www.fhfa.gov/DataTools/Downloads/Pages/Conforming-Loan-Limits.aspx
| Loan Product | Rate | APR | Points | Payment Per Thousand |
|---|---|---|---|---|
| 30 Year Fixed | 6.375% | 6.418% | 0.00% | $6.24 |
| 20 Year Fixed | 6.250% | 6.306% | 0.00% | $7.31 |
| 15 Year Fixed | 6.125% | 6.194% | 0.00% | $8.51 |
| 7/1 Adjustable Rate Mortgage (ARM) | 6.000% | 6.357% | 0.00% | $6.00 |
| 5/1 Adjustable Rate Mortgage (ARM) | 5.875% | 6.316% | 0.00% | $5.92 |
| 3/1 Adjustable Rate Mortgage (ARM) | 5.875% | 6.321% | 0.00% | $5.92 |
Jumbo - Minimum loan amounts of $806,501 to loan amounts of $2,000,000
| Loan Product | Rate | APR | Points | Payment Per Thousand |
|---|---|---|---|---|
| 7/1 Adjustable Rate Mortgage (ARM) | 6.000% | 6.481% | 0.00% | $6.00 |
| 5/1 Adjustable Rate Mortgage (ARM) | 5.875% | 6.395% | 0.00% | $5.92 |
| 3/1 Adjustable Rate Mortgage (ARM) | 5.875% | 6.418% | 0.00% | $5.92 |
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*Pricing is based on a closing period of 45 days or less. Due to factors beyond our control, such as timelines for completing appraisals, closing periods may be longer than 45 days. Additional fees may apply. Contact an Excite Credit Union Mortgage Loan Officer for more information. Loan Product availability subject to loan amount. Until you lock your rate, Annual Percentage Rate (APR) and terms are subject to change without notice, including rate, points, and fees. Rate and APR may vary depending on loan details, such as points, loan amount, loan-to-value, your credit profile, property type, and occupancy. Rate, points and APR are subject to change in the event parameters of the loan change from those presented at the time of application and loan closing, such as but not limited to, a change in the loan amount, appraised property value, credit score of applicant or type of property. Loans are subject to credit approval and other underwriting criteria. Quoted payment is monthly payment per thousand borrowed for principal and interest only. The payment amount does not include impounds for property taxes or required insurances. Adjustable Rate Mortgage (ARM) rates are subject to increase during loan term. Excite Credit Union membership required and subject to approval.