Mortgage Rates
PH: 503.644.4034 or 800.637.0852 | firsttechcu.com
 Effective Date: 11/6/2009 - 6:03 PM
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The rates displayed are for conforming loan programs and based on a primary residence with a property value of $125,000 and a loan amount of $100,000. Jumbo loan program rates are based on a primary residence with a property value of $550,000 and a loan amount of $440,000. Actual rates may vary depending on your specific terms. The maximum loan amount for a conforming mortgage for a primary residence single unit home is $417,000. Mortgages above that amount are considered jumbo mortgages. Mortgages at or below that amount may be considered conforming so long as other Fannie Mae criteria are met.
 
40 Year Fixed
Interest Rate Interest Rate Fee APR Payment
40 Year Fixed 5.375% 1.000% 5.475% $507.29

30 Year Fixed
Interest Rate Interest Rate Fee APR Payment
30 Year Fixed 5.375% 0.000% 5.475% $559.97
30 Year Fixed 5.000% 1.000% 5.100% $536.82
30 Year Fixed 4.875% 1.500% 4.975% $529.21

20 Year Fixed
Interest Rate Interest Rate Fee APR Payment
20 Year Fixed 5.250% 0.000% 5.350% $673.84
20 Year Fixed 4.875% 1.000% 4.975% $653.07
20 Year Fixed 4.750% 1.500% 4.850% $646.22

15 Year Fixed
Interest Rate Interest Rate Fee APR Payment
15 Year Fixed 4.750% 0.000% 4.850% $777.83
15 Year Fixed 4.375% 1.000% 4.475% $758.62
15 Year Fixed 4.250% 1.500% 4.350% $752.28

10 Year Fixed
Interest Rate Interest Rate Fee APR Payment
10 Year Fixed 4.500% 0.000% 4.600% $1,036.38
10 Year Fixed 4.125% 1.000% 4.225% $1,018.40
10 Year Fixed 4.000% 1.500% 4.100% $1,012.45

Interest First - Fixed 10/20
Interest Rate Interest Rate Fee APR Payment
Interest First - Fixed 10/20 6.000% 1.000% 6.100% $599.55

30 Year Fixed Interest First 15/15
Interest Rate Interest Rate Fee APR Payment
30 Year Fixed Interest First 15/15 6.000% 1.000% 6.100% $599.55

1 Year T bill ARM
Interest Rate Interest Rate Fee APR Payment
1 Year T bill ARM 2.875% 1.000% 2.975% $414.89

3/1 Delayed ARM
Interest Rate Interest Rate Fee APR Payment
3/1 Delayed ARM 3.375% 1.000% 3.475% $442.10

5/1 Delayed ARM
Interest Rate Interest Rate Fee APR Payment
5/1 Delayed ARM 4.250% 1.000% 4.350% $491.94

7/1 Delayed ARM
Interest Rate Interest Rate Fee APR Payment
7/1 Delayed ARM 5.000% 1.000% 5.100% $536.82

 
30 Year Jumbo Loan
Description Interest Rate Fee APR Payment
30 Year Fixed Jumbo 6.125% 0.000% 6.225% $2,673.49
30 Year Fixed Jumbo 5.750% 1.000% 5.850% $2,567.72
30 Year Fixed Jumbo 5.625% 1.500% 5.725% $2,532.89
3/1 Delayed ARM Jumbo 4.125% 1.000% 4.225% $2,132.46
5/1 Delayed ARM Jumbo 5.000% 1.000% 5.100% $2,362.02
7/1 Delayed ARM Jumbo 5.750% 1.000% 5.850% $2,567.72

20 Year Jumbo Loan
Description Interest Rate Fee APR Payment
20 Year Fixed Jumbo 6.000% 0.000% 6.100% $3,152.30
20 Year Fixed Jumbo 5.625% 1.000% 5.725% $3,057.85
20 Year Fixed Jumbo 5.500% 1.500% 5.600% $3,026.70

15 Year Jumbo Loan
Description Interest Rate Fee APR Payment
15 Year Fixed Jumbo 5.500% 0.000% 5.600% $3,595.17
15 Year Fixed Jumbo 5.125% 1.000% 5.225% $3,508.21
15 Year Fixed Jumbo 5.000% 1.500% 5.100% $3,479.49

10 Year Jumbo Loan
Description Interest Rate Fee APR Payment
10 Year Fixed Jumbo 5.250% 0.000% 5.350% $4,720.83
10 Year Fixed Jumbo 4.875% 1.000% 4.975% $4,640.05
10 Year Fixed Jumbo 4.750% 1.500% 4.850% $4,613.30

 
First Tech offers a number of Interest First mortgages that offer the benefits of lower initial payments. Contact the First Tech Mortgage Department at 800.637.0852 X4531, or stop by the 153rd, Bella Bottega, Rose Hill, Studio West, Overlake, State St, N. Delta for more information.
Please contact the FTCU Mortgage department for additional options with the Interest First Fixed and Interest First ARM products.
The rates and points displayed on this page are subject to change without notice. Contact a First Tech loan specialist to learn about these and other mortgage options available to you. Additional factors that may not have been considered may affect your final rate. This is not a commitment to make a loan, nor is it a guarantee that you will receive these rates or points if you are approved for the loan. Loans above 80% LTV may require mortgage insurance. Rates and points can be locked only after your completed loan application is received. All points displayed include origination fees, if applicable, and discount points. If the points displayed are negative you may receive a credit towards other closing costs, however the actual amount of this credit may be limited by underwriting guidelines. The rates for Home Equity Loans assume that you use automatic payment and receive a .50% auto payment rate discount. The APR indicated reflects our lowest available rate. Your rate will vary based on individual credit qualifications, and will be provided by First Tech upon approval of a completed loan application. Please contact a loan specialist for assistance if you have any questions about rates and points.

90% LTV for loan amounts $417,001-$600,000. 95% allowed with a .25% point added to the fee. 85% LTV on loan amounts from $600,001- $800,000 add .25% to the rate. *Loan amounts from $800,001- to 1,000,000 add .50% to the rate. *Loans over $600,000 require additional approvals.
Jumbo ARM products with 90.1%-95% LTV will be allowed with a .375% point added to the fee.
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