Conventional Mortgage Rates

All Nuvision Credit Union 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 join right now.

Fixed Rate Mortgages:

** 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 for Conventional Conforming loans is based on a Purchase Transaction of an Owner-Occupied, Single-Family Residence and for a borrower with a minimum FICO of 740, and LTV of 60%

Published Pricing and APR information for FHA and VA loans is based on a Purchase Transaction of an Owner-Occupied, Single-Family Residence and for a borrower with a minimum FICO of 680, and LTV of 96.4%

APR and payment for a Conforming loan is based on a loan amount of $270,000, and for a Jumbo loan is based on a loan amount of $1,500,000.

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:

For 5/6 SOFR ARM: MARGIN = 2.75, CAPS = 2/1/5, INDEX = Federal Reserve Bank of New York SOFR
For 7/6 SOFR ARM: MARGIN = 2.75, CAPS = 5/1/5, INDEX = Federal Reserve Bank of New York SOFR
For 5/5 CMT ARM: MARGIN = 2.25, CAPS = 2/2/5, INDEX = Wall Street Journal 5-year CMT

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

5/6 ARM and 5/5 ARM have a 5-year Fixed Period. 7/6 ARM has a 7-year Fixed Period.

Our 5/6 and 7/6 Adjustable Rate Mortgage Loans are based on the SOFR rate, with a margin of 2.75%. The 5/5 ARM loans are based on the 5-Year CMT rate, with a margin of 2.25%. These loans have limits on how much the rate can increase or decrease. The rate will not increase or decrease more than 2% on the 5-Year and 5% on the 7-year at the first time the rate is adjusted. After that, the rate will not increase or decrease more than 1% each adjustment period on the 5/6 and 7/6 ARM and not more than 2% each adjustment period on the 5/5 ARM. 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.

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

*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.