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Mortgage & Home Equity Rates

Mortgage Rates

Conventional	Rate	APR	Points
Mortgage Rates
30 Year Fixed Rate	6.625%	6.663%	0.000%
15 Year Fixed Rate	6.125%	6.187%	0.000%
7/1 Non-Conforming ARM Primary Residence	5.875%	6.456%	0.000%
DPA	Rate	APR	Points
30 Year Fixed HOME Down Payment Assistance	6.875%	6.893%	0.000%

See all Mortgage Rates

Home Equity Rates

Table data for Home Equity Line of Credit
10-03-2022
APR*¹	Index²	Margin	Loan to Value³	Alert Me
5.00%	5.50%	-0.50	up to 80%	Receive a notification when this rate changes

6.75%	5.50%	+1.25	80.01% - 85%	Receive a notification when this rate changes

*APR: Annual Percentage Rate. Generally, fees paid by Direct Financial. If appraisal required, member-paid fees may range from $350 to $550. For Home Equities in first Mortgage position, members may be required to pay Title Examination fees which may range from $250 to $500 and Title Insurance fees which may range from $1.65 to $2.75 per $1000 borrowed.
¹All rates quoted are subject to change monthly, the maximum interest rate is 18% and the minimum interest rate is 4.50%. The rate may increase after the consummation of the loan. These are our posted rates; your rate could vary according to your credit.↵ ²The Index is the Prime Rate published in the Wall Street Journal on the last Wednesday of each month.↵ ³Maximum allowable loan to values may vary based on current market conditions. Up to 75% LTV based on a current appraisal. Call a loan officer for further details.↵

Table data for Home Equity Plus
10-03-2022
APR*¹	Term	Monthly Payment per $1000²	Loan to Value³	Alert Me
4.20%⁴	5 years	$18.51	up to 80%	Receive a notification when this rate changes

5.20%⁴	10 years	$10.70	up to 80%	Receive a notification when this rate changes

6.00%⁴	15 years	$8.44	up to 80%	Receive a notification when this rate changes

*APR: Annual Percentage Rate. Generally, fees paid by Direct Financial. If appraisal required, member-paid fees may range from $350 to $550. For Home Equities in first Mortgage position, members may be required to pay Title Examination fees which may range from $250 to $500 and Title Insurance fees which may range from $1.65 to $2.75 per $1000 borrowed.
¹These are our posted rates; your rate could vary according to your credit.↵ ²The payment amount may be higher if escrows for property taxes, homeowner's insurance or mortgage insurance are applicable.↵ ³Maximum allowable loan to values may vary based on current market conditions. Up to 80% LTV based on a current appraisal. Up to 75% LTV based on a current Tax Assessed Value. Call a loan officer for further details.↵ ⁴Fixed Rate↵

Table data for Home Equity Plus CLTV 80.01% to 85%
10-03-2022
APR*¹	Term	Monthly Payment per $1000²	Loan to Value³	Alert Me
4.70%⁴	5 years	$18.55	up to 85%

5.70%⁴	10 years	$10.74	up to 85%

6.50%⁴	15 years	$8.47	up to 85%

*APR: Annual Percentage Rate. Generally, fees paid by Direct Financial. If appraisal required, member-paid fees may range from $350 to $550. For Home Equities in first Mortgage position, members may be required to pay Title Examination fees which may range from $250 to $500 and Title Insurance fees which may range from $1.65 to $2.75 per $1000 borrowed. CLTV is Combined Loan-to-Value ratio.
¹These are our posted rates; your rate could vary according to your credit.↵ ²The payment amount may be higher if escrows for property taxes, homeowner's insurance or mortgage insurance are applicable.↵ ³Maximum allowable loan to values may vary based on current market conditions. Up to 80% LTV based on a current appraisal. Up to 75% LTV based on a current Tax Assessed Value. Call a loan officer for further details.↵ ⁴Fixed Rate↵

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