Effective January 1, 2025
| Loan Type | Loan Term | APR* |
| In-House First Mortgage Loans | 5 years | 4.49%** |
| 10 years | 5.79% | |
| 15 years | 6.79% | |
| First Mortgage | 7 – Year Balloon
30-Year Amortization |
As low as 7.29% |
| 15-Year Balloon
30-Year Amortization |
As low as 7.59% | |
Secondary Market
|
10-30 years | Call for Current Rates |
| Mobile Homes (2015 & Newer) | 10 Years
15 Years |
As low as 8.99%
As low as 10.49% |
| Fixed Rate Land | 5 Years
7 Years |
As low as 6.99%
As low as 7.99% |
|
2nd Mortgage/Home Equity Term |
||
| Up to 90% Loan-to-Value | 5 Years | As low as 5.79%* |
| Up to 90% Loan-to-Value | 7 Years | As low as 6.29% |
| Up to 90% Loan-to-Value | 10 Years | As low as 6.59% |
| Up to 90% Loan-to-Value | 15 Years | As low as 7.09% |
| 90.01% – 100% Loan-to-Value | 5 Years | As low as 6.29% |
| 90.01% – 100% Loan-to-Value | 7 Years | As low as 6.79% |
| 90.01% – 100% Loan-to-Value | 10 Years | As low as 7.49% |
| 90.01% – 100% Loan-to-Value | 15 Years | As low as 7.99% |
| Home Equity Line of Credit | ||
| Up to 95% Loan-to-Value | 10 Yr. Draw with 15 Year Repayment | As low as 6.49% (Variable)+ |
APPLY FOR A MORTGAGE LOAN NOW
MLS #421978
*APR represents Annual Percentage Rate. Rate based on term & individual credit history. New Money Only. Min. Ln. $5,000. Property insurance required. Flood insurance may be required. $25 Membership required. +Rates effective as stated above may vary and are subject to change without prior notice. Promotional Rate based on 2-year term. Annual Percentage Rate that would be in effect if the promotion were not offered would be 8.25% APR. Limited Time Offer. **Min. Ln $5,000. New Money Only – cannot payoff current RCFCU Home Loan. No appraisal required on refinanced loans. Comparative Market Analysis or Online Virtual Appraisal required at lenders expense. Limited Time Offer.