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Mortgage & Home Equity Rates

Mortgage Rates

Conventional	Rate	APR	Points
Mortgage Rates
30 Year Fixed Rate	7.375%	7.415%	0.000%
15 Year Fixed Rate	7.375%	7.439%	0.000%
5/1 Non-Conforming ARM Primary Residence	7.000%	7.836%	0.000%
DPA	Rate	APR	Points
30 Year Fixed HOME Down Payment Assistance	7.625%	7.643%	0.000%

See all Mortgage Rates

Home Equity Rates

Table data for Home Equity Line of Credit
10-02-2023
APR*¹	Index²	Margin	Loan to Value³	Alert Me
8.00%	8.50%	-0.50	up to 80%	Receive a notification when this rate changes

9.50%	8.50%	+1.00	80.01% - 90%	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 $600. 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
10-02-2023
APR*¹	Term	Monthly Payment per $1000²	Loan to Value³	Alert Me
6.50%⁴	5 years	$19.57	up to 80%	Receive a notification when this rate changes

7.50%⁴	10 years	$11.87	up to 80%	Receive a notification when this rate changes

7.99%⁴	15 years	$9.55	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 $600. 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 loan to values may vary based on market conditions. Up to 90% LTV with a current appraisal. Other restrictions may apply. Call a loan officer for further details.↵ ⁴Fixed Rate↵

Table data for Home Equity Plus CLTV 80.01% to 90%
10-02-2023
APR*¹	Term	Monthly Payment per $1000²	Loan to Value³	Alert Me
7.50%⁴	5 years	$20.04	up to 90%

8.50%⁴	10 years	$12.40	up to 90%

8.99%⁴	15 years	$10.14	up to 90%

*APR: Annual Percentage Rate. Generally, fees paid by Direct Financial. If appraisal required, member-paid fees may range from $350 to $600. 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 loan to values may vary based on market conditions. Up to 90% LTV with a current appraisal. Other restrictions may apply. Call a loan officer for further details.↵ ⁴Fixed Rate↵

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