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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. |
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40 Year Fixed
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40 Year Fixed
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5.375%
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1.000%
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5.475%
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$507.29
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30 Year Fixed
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30 Year Fixed
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5.375%
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0.000%
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5.475%
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$559.97
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30 Year Fixed
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5.000%
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1.000%
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5.100%
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$536.82
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30 Year Fixed
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4.875%
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1.500%
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4.975%
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$529.21
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20 Year Fixed
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20 Year Fixed
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5.250%
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0.000%
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5.350%
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$673.84
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20 Year Fixed
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4.875%
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1.000%
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4.975%
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$653.07
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20 Year Fixed
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4.750%
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1.500%
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4.850%
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$646.22
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15 Year Fixed
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15 Year Fixed
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4.750%
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0.000%
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4.850%
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$777.83
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15 Year Fixed
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4.375%
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1.000%
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4.475%
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$758.62
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15 Year Fixed
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4.250%
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1.500%
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4.350%
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$752.28
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10 Year Fixed
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10 Year Fixed
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4.500%
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0.000%
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4.600%
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$1,036.38
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10 Year Fixed
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4.125%
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1.000%
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4.225%
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$1,018.40
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10 Year Fixed
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4.000%
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1.500%
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4.100%
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$1,012.45
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Interest First - Fixed 10/20
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Interest First - Fixed 10/20
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6.000%
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1.000%
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6.100%
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$599.55
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30 Year Fixed Interest First 15/15
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30 Year Fixed Interest First 15/15
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6.000%
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1.000%
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6.100%
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$599.55
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1 Year T bill ARM
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1 Year T bill ARM
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2.875%
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1.000%
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2.975%
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$414.89
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3/1 Delayed ARM
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3/1 Delayed ARM
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3.375%
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1.000%
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3.475%
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$442.10
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5/1 Delayed ARM
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5/1 Delayed ARM
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4.250%
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1.000%
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4.350%
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$491.94
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7/1 Delayed ARM
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7/1 Delayed ARM
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5.000%
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1.000%
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5.100%
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$536.82
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30 Year Jumbo Loan
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30 Year Fixed Jumbo
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6.125%
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0.000%
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6.225%
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$2,673.49
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30 Year Fixed Jumbo
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5.750%
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1.000%
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5.850%
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$2,567.72
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30 Year Fixed Jumbo
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5.625%
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1.500%
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5.725%
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$2,532.89
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3/1 Delayed ARM Jumbo
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4.125%
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1.000%
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4.225%
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$2,132.46
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5/1 Delayed ARM Jumbo
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5.000%
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1.000%
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5.100%
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$2,362.02
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7/1 Delayed ARM Jumbo
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5.750%
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1.000%
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5.850%
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$2,567.72
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20 Year Jumbo Loan
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20 Year Fixed Jumbo
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6.000%
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0.000%
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6.100%
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$3,152.30
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20 Year Fixed Jumbo
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5.625%
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1.000%
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5.725%
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$3,057.85
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20 Year Fixed Jumbo
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5.500%
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1.500%
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5.600%
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$3,026.70
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15 Year Jumbo Loan
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15 Year Fixed Jumbo
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5.500%
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0.000%
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5.600%
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$3,595.17
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15 Year Fixed Jumbo
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5.125%
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1.000%
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5.225%
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$3,508.21
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15 Year Fixed Jumbo
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5.000%
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1.500%
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5.100%
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$3,479.49
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10 Year Jumbo Loan
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10 Year Fixed Jumbo
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5.250%
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0.000%
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5.350%
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$4,720.83
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10 Year Fixed Jumbo
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4.875%
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1.000%
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4.975%
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$4,640.05
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10 Year Fixed Jumbo
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4.750%
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1.500%
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4.850%
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$4,613.30
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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.
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Please contact the FTCU Mortgage department for additional options with the
Interest First Fixed and Interest First ARM products.
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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.
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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.
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Jumbo ARM products with 90.1%-95% LTV will be allowed with a .375%
point added to the fee.
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