All rates and points quoted are subject to change at any time without
notice.
The rates shown below are for Arizona, California, Colorado,
Michigan & Nevada. If you are located in a different
state, check
for other rates.
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Fixed-Rate Mortgage Programs
Conforming Fixed-Rate Programs - Loans up to $548,250
Loan Program |
Rate |
Points |
APR |
# of
monthly payments |
Monthly Payment Amount
|
|
30-Year Fixed Conforming |
3.000% |
-0.375% |
3.171% |
360 |
$1,475.61 |
3.125% |
-0.750% |
3.268% |
360 |
$1,499.31 |
3.250% |
-1.375% |
3.344% |
360 |
$1,523.22 |
20-Year Fixed Conforming |
2.750% |
0.375% |
3.073% |
240 |
$1,897.58 |
2.875% |
-0.250% |
3.130% |
240 |
$1,919.26 |
3.000% |
-0.750% |
3.200% |
240 |
$1,941.09 |
15-Year Fixed Conforming |
2.625% |
-0.875% |
2.859% |
180 |
$2,354.41 |
2.750% |
-1.250% |
2.932% |
180 |
$2,375.18 |
2.875% |
-1.625% |
3.004% |
180 |
$2,396.05 |
10-Year Fixed Conforming |
2.625% |
-1.500% |
2.835% |
120 |
$3,319.38 |
2.750% |
-1.625% |
2.936% |
120 |
$3,339.39 |
2.875% |
-2.125% |
2.958% |
120 |
$3,359.47 |
APR shown based on a loan amount of $350,000. Program shown for
single family homes only. For point quotes preceded by a minus sign
(-), a credit of the indicated percentage will be applied toward
closing costs.
APR=Annual Percentage Rate. 30-year fixed-rate loan payment example:
3.000% interest rate with 0.375 points, 3.031% APR, loan amount of
$350,000 = payments for months 1-359 would be $1,475.61 with one final
payment of $1,477.89. Example based on an owner-occupied,
single-family residence purchase, in California. Additional terms at
this rate based on a 60% Loan-to-Value ratio and 740 representative
credit score. Loans subject to borrower and property qualifications.
Refinance pricing is subject to an adjustment based on transaction
characteristics. All refinance applications will have an additional
.50 fee in conjunction with FPCU’s standard Refinance Pricing
adjustments. Not all applicants will be approved. Rate quoted as of
09.17.2020, and are subject to change daily, at any time, and without
notice. View today’s
rates
High-Balance Fixed Rate Loans - Amounts from
$548,251 - $822,375
Loan Program |
Rate |
Points |
APR |
# of
monthly payments |
Monthly Payment Amount
|
|
30-Year High-Balance Fixed |
3.000% |
0.250% |
3.184% |
360 |
$2,318.82 |
3.125% |
-0.625% |
3.240% |
360 |
$2,356.06 |
3.250% |
-1.125% |
3.327% |
360 |
$2,393.63 |
15-Year High-Balance Fixed |
2.500% |
0.375% |
2.846% |
180 |
$3,667.34 |
2.625% |
-0.125% |
2.900% |
180 |
$3,699.79 |
2.750% |
-0.500% |
2.973% |
180 |
$3,732.42 |
APR based on a loan amount of $550,000. Program shown for single
family homes only. For point quotes preceded by a minus sign (-), a
credit of the indicated percentage will be applied toward closing
costs.
Jumbo Fixed Rate Loans - Amounts from $822,376 - $4,000,000
Loan Program |
Rate |
Points |
APR |
# of
monthly payments |
Monthly Payment Amount
|
|
30-Year Jumbo Fixed |
3.125% |
0.250% |
3.307% |
360 |
$3,641.19 |
3.250% |
-0.625% |
3.363% |
360 |
$3,699.25 |
3.375% |
-1.125% |
3.449% |
360 |
$3,757.82 |
15-Year Jumbo Fixed |
2.625% |
0.375% |
2.965% |
180 |
$5,717.86 |
2.750% |
-0.125% |
3.020% |
180 |
$5,768.28 |
2.875% |
-0.500% |
3.092% |
180 |
$5,818.98 |
APR shown based on a loan amount of $850,000. Program shown for
single family homes only. For point quotes preceded by a minus sign
(-), a credit of the indicated percentage will be applied toward
closing costs.
Adjustable Rate Mortgage Programs
Adjustable Rate Programs - Loans up to $548,250
Loan Program |
Rate |
Points |
APR |
# of
monthly payments |
Monthly Payment Amount
|
|
5/1 Adjustable Rate Loan |
2.625% |
0.000% |
2.737% |
360 |
$1,405.78 |
2.750% |
-0.250% |
2.761% |
360 |
$1,428.84 |
2.875% |
-0.500% |
2.875% |
360 |
$1,452.12 |
7/1 Adjustable Rate Loan |
2.875% |
0.000% |
2.875% |
360 |
$1,452.12 |
3.000% |
-0.250% |
3.000% |
360 |
$1,475.61 |
3.125% |
-0.625% |
3.125% |
360 |
$1,499.31 |
5/5 Adjustable Rate Loan |
2.625% |
0.375% |
3.165% |
360 |
$1,405.78 |
2.750% |
0.000% |
3.179% |
360 |
$1,428.84 |
2.875% |
-0.250% |
3.201% |
360 |
$1,452.12 |
10/1 Adjustable Rate Loan |
3.125% |
0.000% |
3.125% |
360 |
$1,499.31 |
3.250% |
-0.250% |
3.250% |
360 |
$1,523.22 |
3.375% |
-0.625% |
3.375% |
360 |
$1,547.34 |
APR based on a loan amount of $350,000. Program shown for
single-family homes only. For point quotes preceded by a minus sign
(-), a credit of the indicated percentage will be applied toward
closing costs.
Jumbo Adjustable Rate Programs - Amounts from $822,376 - $4,000,000
Loan Program |
Rate |
Points |
APR |
# of
monthly payments |
Monthly Payment Amount
|
|
5/1 Jumbo Adjustable |
2.750% |
0.000% |
2.750% |
360 |
$3,470.05 |
2.875% |
-0.250% |
2.875% |
360 |
$3,526.59 |
3.000% |
-0.500% |
3.000% |
360 |
$3,583.63 |
7/1 Jumbo Adjustable |
3.000% |
0.000% |
3.000% |
360 |
$3,583.63 |
3.125% |
-0.250% |
3.125% |
360 |
$3,641.19 |
3.250% |
-0.625% |
3.250% |
360 |
$3,699.25 |
5/5 Jumbo Adjustable |
2.875% |
0.000% |
3.183% |
360 |
$3,526.59 |
3.000% |
-0.250% |
3.205% |
360 |
$3,583.63 |
3.125% |
-0.500% |
3.227% |
360 |
$3,641.19 |
10/1 Jumbo Adjustable |
3.250% |
0.033% |
3.250% |
360 |
$3,699.25 |
3.375% |
0.034% |
3.375% |
360 |
$3,757.82 |
3.500% |
0.035% |
3.500% |
360 |
$3,816.88 |
APR shown based on a loan amount of $850,000. Program shown for
single family homes only. For point quotes preceded by a minus sign
(-), a credit of the indicated percentage will be applied toward
closing costs.
Loan Program |
Rate |
Points |
APR |
# of
monthly payments |
Monthly Payment Amount
|
|
Special Offer - 5/5 No Cost Jumbo
Adjustable Rate Loan |
3.250% |
0.000% |
3.375% |
360 |
$3,699.25 |
APR based on a loan amount of $850,000. Program shown for
single-family homes only. For point quotes preceded by a minus sign
(-), a credit of the indicated percentage will be applied toward
closing costs.