Conventional Mortgage Rates

All Nuvision mortgages feature the industry’s most competitive rates, with a variety of options to help members maximize their savings and flexibility over the long term. If you're not currently a member, it’s easy to right now.


Fixed Rate Mortgages:

Change Location Table drop-down arrow

  • Alaska
  • Arizona
  • California
  • More States
  • Washington
  • Wyoming
10/22/2021
ProductRates As Low AsCredit *APR **Payment
30-Year Conforming3.250%(0.625)3.265$1,175
15-Year Conforming2.500%(0.250)2.580$1,800
10/22/2021
ProductRates As Low AsCredit *APR **Payment
30-Year Conforming3.250%(0.625)3.265$1,175
15-Year Conforming2.500%(0.250)2.580$1,800
10/22/2021
ProductRates As Low AsCredit *APR **Payment
30-Year Conforming3.125%(0.625)3.265$1,175
15-Year Conforming2.500%(0.250)2.580$1,800
10/22/2021
ProductRates As Low AsCredit *APR **Payment
30-Year Conforming3.250%(0.625)3.265$1,175
15-Year Conforming2.500%(0.250)2.580$1,800
10/22/2021
ProductRates As Low AsCredit *APR **Payment
30-Year Conforming3.250%(0.625)3.265$1,175
15-Year Conforming2.500%(0.250)2.580$1,800
10/22/2021
ProductRates As Low AsCredit *APR **Payment
30-Year Conforming3.250%(0.625)3.265$1,175
15-Year Conforming2.500%(0.250)2.580$1,800
08/17/2018
ProductRates As Low AsCredit *APR **Payment
30 Yr. Conforming4.625%(0.125)4.676%$1,440
30 Yr. FHA4.250%(0.375)5.012%$1,377
10/22/2021
ProductRates As Low AsCredit *APR **Payment
30-Year Conforming3.250%(0.625)3.265$1,175
15-Year Conforming2.500%(0.250)2.580$1,800
10/22/2021
ProductRates As Low AsCredit *APR **Payment
30-Year Conforming3.250%(0.625)3.265$1,175
15-Year Conforming2.500%(0.250)2.580$1,800
08/17/2018
ProductRates As Low AsCredit *APR **Payment
30 Yr. Conforming4.625%0.0004.676%$1,440
30 Yr. FHA4.250%(0.375)5.012%$1,377
10/22/2021
ProductRates As Low AsCredit *APR **Payment
30-Year Conforming3.250%(0.625)3.265$1,175
15-Year Conforming2.500%(0.250)2.580$1,800

** APR based on a loan amount of $270,000

*** The displayed Annual Percentage Rate (APR) for the loan products shown reflects the interest rate and approximate cost, for a Purchase Transaction, of prepaid finance charges, including points, but does not include monthly taxes and insurance, other closing costs or discount points. The actual fees, costs, and monthly payment on your specific loan transaction may vary and may include additional fees and costs.

Published Pricing and APR information is based on a Purchase Transaction of an Owner-Occupied, Single Family Residence and for a borrower with a minimum FICO of 740, with a loan amount of $270,000 and LTV of 60%.

Standard Rate Lock Desk Hours are 9am to 4:30pm Monday to Friday, excluding Holidays. Please contact your Loan Consultant for Rate Lock Inquiries. Pricing displayed is as of the most recent update and is subject to change at any time without notice.

 


Adjustable Rate Mortgages:

Change Location Table drop-down arrow

  • Alaska
  • Arizona
  • California
  • More States
  • Washington
  • Wyoming
10/22/2021
ProductRates As Low AsCredit *APR **Payment
5/6 ARM2.375%0.0002.717$1,049
10/22/2021
ProductRates As Low AsCredit *APR **Payment
5/6 ARM2.375%0.0002.717$1,049
10/22/2021
ProductRates As Low AsCredit *APR **Payment
5/6 ARM2.375%0.0002.717$1,049
10/22/2021
ProductRates As Low AsCredit *APR **Payment
5/6 ARM2.375%0.0002.717$1,049
10/22/2021
ProductRates As Low AsCredit *APR **Payment
5/6 ARM2.375%0.0002.717$1,049
10/22/2021
ProductRates As Low AsCredit *APR **Payment
5/6 ARM2.375%0.0002.717$1,049
08/17/2018
ProductRates As Low AsCredit *APR **Payment
7/1 LIBOR ARM3.625%(0.125)4.452%$1,277
10/22/2021
ProductRates As Low AsCredit *APR **Payment
5/6 ARM2.375%0.0002.717$1,049
10/22/2021
ProductRates As Low AsCredit *APR **Payment
5/6 ARM2.375%0.0002.717$1,049
08/17/2018
ProductRates As Low AsCredit *APR **Payment
7/1 LIBOR ARM3.625%(0.125)4.452%$1,277
10/22/2021
ProductRates As Low AsCredit *APR **Payment
5/6 ARM2.375%0.0002.717$1,049

** APR based on a loan amount of $270,000.

For 5/6 SOFR ARM ~ MARGIN = 2.75 CAPS = 2/1/5 INDEX = Federal Reserve Bank New York SOFR
For 5/5 CMT ARM ~ MARGIN = 2.25 CAPS = 2/2/5 INDEX = WSJ 5yr CMT

ARM Loans: Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate can change annually and any change will impact your monthly payment.

5/6 ARM and 5/5 ARM have a 5 year Fixed Period.

Our 5/6 Adjustable Rate Mortgage Loans are based on the SOFR rate and the 5/5 ARM loans are based on the 5 Year CMT rate, with a margin of 2.75% These loans have limits on how much the rate can increase or decrease. The rate will not increase or decrease more than 2% at the first time the rate is adjusted. After that, the rate will not increase or decrease more than 1% each adjustment period. For the entire loan term, the rate will not increase more than 5% over the starting rate.

*** The displayed Annual Percentage Rate (APR) for the loan products shown reflects the interest rate and approximate cost, for a Purchase Transaction, of prepaid finance charges, including points, but does not include monthly taxes and insurance, other closing costs or discount points. The actual fees, costs, and monthly payment on your specific loan transaction may vary and may include additional fees and costs.

Standard Rate Lock Desk Hours are 9am to 4:30pm Monday to Friday, excluding Holidays. Please contact your Loan Consultant for Rate Lock Inquiries. Pricing displayed is as of the most recent update and is subject to change at any time without notice.

 

Fixed Loans (Second Mortgages)
Conforming Fixed Rate 2nd Trust Deed

Change Location Table drop-down arrow

  • Alaska
  • Arizona
  • California
  • More States
  • Washington
  • Wyoming
2021
Max Combined Loan-To-Value*Origination FeeRateAPR Affecting FeesAPRTerms
70% (up to $350k)/ 80% (up to $250k)Waived**5.75% to 7.00%N/A5.75% to 7.00%Up to 180 mths.
70% (up to $350k)/ 80% (up to $250k)Waived**6.00% to 7.25%N/A6.00% to 7.25%181 to 240 mths.
90% (up to $100k) only allowed with Nuvision First MortgageWaived**7.24% to 7.49%N/A7.24% to 7.49%Up to 180 mths.
100%Product not offered at this timeProduct not offered at this timeN/AN/AN/A
2021
Max Combined Loan-To-Value*Origination FeeRateAPR Affecting FeesAPRTerms
70% (up to $350k)/ 80% (up to $250k)Waived**5.75% to 7.00%N/A5.75% to 7.00%Up to 180 mths.
70% (up to $350k)/ 80% (up to $250k)Waived**6.00% to 7.25%N/A6.00% to 7.25%181 to 240 mths.
90% (up to $100k) only allowed with Nuvision First MortgageWaived**7.24% to 7.49%N/A7.24% to 7.49%Up to 180 mths.
100%Product not offered at this timeProduct not offered at this timeN/AN/AN/A
2021
Max Combined Loan-To-Value*Origination FeeRateAPR Affecting FeesAPRTerms
70% (up to $350k)/ 80% (up to $250k)Waived**5.75% to 7.00%N/A5.75% to 7.00%Up to 180 mths.
70% (up to $350k)/ 80% (up to $250k)Waived**6.00% to 7.25%N/A6.00% to 7.25%181 to 240 mths.
90% (up to $100k) only allowed with Nuvision First MortgageWaived**7.24% to 7.49%N/A7.24% to 7.49%Up to 180 mths.
100%Product not offered at this timeProduct not offered at this timeN/AN/AN/A
2021
Max Combined Loan-To-Value*Origination FeeRateAPR Affecting FeesAPRTerms
70% (up to $350k)/ 80% (up to $250k)Waived**5.75% to 7.00%N/A5.75% to 7.0%Up to 180 mths.
70% (up to $350k)/ 80% (up to $250k)Waived**6.00% to 7.25%N/A6.00% to 7.25%181 to 240 mths.
90% (up to $100k) only allowed with Nuvision First MortgageWaived**7.24% to 7.49%N/A7.24% to 7.49%Up to 180 mths.
100%Product not offered at this timeProduct not offered at this timeN/AN/AN/A
2021
Max Combined Loan-To-Value*Origination FeeRateAPR Affecting FeesAPRTerms
70% (up to $350k)/ 80% (up to $250k)Waived**N/A5.75% to 7.00%Up to 180 mths.
70% (up to $350k)/ 80% (up to $250k)Waived**N/A6.00% to 7.25%181 to 240 mths.
90% (up to $100k) only allowed with Nuvision First MortgageWaived**N/A7.24% to 7.49%Up to 180 mths.
100%Product not offered at this timeProduct not offered at this timeN/AN/AN/A
2021
Max Combined Loan-To-Value*Origination FeeRateAPR Affecting FeesAPRTerms
70% (up to $350k)/ 80% (up to $250k)Waived**5.75% to 7.00%N/A5.75% to 7.00%Up to 180 mths.
70% (up to $350k)/ 80% (up to $250k)Waived**6.00% to 7.25%N/A6.00% to 7.25%181 to 240 mths.
90% (up to $100k) only allowed with Nuvision First MortgageWaived**7.24% to 7.49%N/A7.24% to 7.49%Up to 180 mths.
100%Product not offered at this timeProduct not offered at this timeN/AN/AN/A
08/15/2018
Max Combined Loan-To-Value*Origination FeeRateAPR Affecting FeesAPRTerms
70% (up to $500k)/ 80% (up to $250k)Waived**5.75% to 7.00%N/A5.75% to 7.00%Up to 180 mths.
70% (up to $500k)/ 80% (up to $250k)Waived**6.00% to 7.25%N/A6.00% to 7.25%181 to 240 mths.
90% (up to $100k) only allowed with Nuvision First MortgageWaived**7.24% to 7.49%N/A7.24% to 7.49%Up to 180 mths.
100% Waived**Product not offered at this timeProduct not offered at this timeN/AN/AN/A
2021
Max Combined Loan-To-Value*Origination FeeRateAPR Affecting FeesAPRTerms
70% (up to $350k)/ 80% (up to $250k)Waived**5.75% to 7.00%N/A5.75% to 7.00%Up to 180 mths.
70% (up to $350k)/ 80% (up to $250k)Waived**6.00% to 7.25%N/A6.00% to 7.25%181 to 240 mths.
90% (up to $100k) only allowed with Nuvision First MortgageWaived**7.24% to 7.49%N/A7.24% to 7.49%Up to 180 mths.
100%Product not offered at this timeProduct not offered at this timeN/AN/AN/A
2021
Max Combined Loan-To-Value*Origination FeeRateAPR Affecting FeesAPRTerms
70% (up to $350k)/ 80% (up to $250k)Waived**5.75% to 7.00%N/A5.75% to 7.00%Up to 180 mths.
70% (up to $350k)/ 80% (up to $250k)Waived**6.00% to 7.25%N/A6.00% to 7.25%181 to 240 mths.
90% (up to $100k) only allowed with Nuvision First MortgageWaived**7.24% to 7.49%N/A7.24% to 7.49%Up to 180 mths.
100% Waived**Product not offered at this timeProduct not offered at this timeN/AN/AN/A
08/15/2018
Max Combined Loan-To-Value*Origination FeeRateAPR Affecting FeesAPRTerms
70% (up to $500k)/ 80% (up to $250k)Waived**5.75% to 7.00%N/A5.75% to 7.00%Up to 180 mths.
70% (up to $500k)/ 80% (up to $250k)Waived**6.00% to 7.25%N/A6.00% to 7.25%181 to 240 mths.
90% (up to $100k) only allowed with Nuvision First MortgageWaived**7.24% to 7.49%N/A7.24% to 7.49%Up to 180 mths.
100% Waived**Product not offered at this timeProduct not offered at this timeN/AN/AN/A
2021
Max Combined Loan-To-Value*Origination FeeRateAPR Affecting FeesAPRTerms
70% (up to $350k)/ 80% (up to $250k)Waived**5.75% to 7.00%N/A5.75% to 7.00%Up to 180 mths.
70% (up to $350k)/ 80% (up to $250k)Waived**6.00% to 7.25%N/A6.00% to 7.25%181 to 240 mths.
90% (up to $100k) only allowed with Nuvision First MortgageWaived**7.24% to 7.49%N/A7.24% to 7.49%Up to 180 mths.
100% Waived**Product not offered at this timeProduct not offered at this timeN/AN/AN/A

*Calculations based on $50,000. Minimum loan amount $5,000.

**Application fee in addition to processing fees are waived unless loan is paid-off within 36 months of funding date. Third party fees ranging from $800 to $1750 will be waived if the loan is kept open for at least 36 months. All home equity loans are for primary residences in the following states only: AZ, CA, CO, HI, NV, OR and WA. Funding is contingent on Nuvision membership. Property insurance will be required.

A $50,000 loan for 180 months at 6.440% APR will have a monthly payment of $429.00.
A $50,000 loan for 240 months at 6.652% APR will have a monthly payment of $373.00.

Rate is subject to change without notice.  

Actual rate received is based on your credit performance. All loans rates listed reflect a .25% discount for automatic payment transfer or ACH deposit. Verification of income required on all levels and for all applicants. Please consult with your tax professional about possible tax benefits.