A couple applying online for a home mortgage. A couple applying online for a home mortgage.

Home Mortgage Loan

Conventional Mortgage Rates Effective March 23, 2017, 9:23 AM

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 join right now.


Fixed Rate Mortgages:

ProductRates As Low AsCredit *APR **Payment
30 Yr. Conforming4.250%(0.250)4.300%$1,377
15 Yr. Conforming3.375%0.000 3.461%$1,985
20 Yr. Conforming4.000%(0.250)4.068%$1,697
10 Yr. Conforming3.250%(0.125)3.374%$2,736
30 Yr. High Balance4.375%0.000 4.400%$2,796
15 Yr. High Balance3.750%(0.250)3.793%$4,072

* Credit applied towards closing costs. May not exceed actual closing cost total.

** APR based on a loan amount of $280,000 ($560,000 for High Balance Products).

The displayed Annual Percentage Rate (APR) for the loan products shown reflects the interest rate and approximate cost, for a Refinance 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.

“High Balance” Products include loan amounts over $424,100 up to County Loan Limit in High Cost Areas. Please refer to the following web page for information on the Loan Limit in your area: http://www.fhfa.gov/DataTools/Downloads/Pages/Conforming-Loan-Limits.aspx

Published Pricing and APR information is based on a Rate/Term Refinance Transaction of an Owner-Occupied, Single Family Residence and for a borrower with a minimum FICO of 740, with a loan amount of $280,000 and LTV of 70%. For High Balance products, the Published Pricing and APR information is based on the same parameters with a loan amount of $560,000.

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:

ProductRates As Low AsCredit *APR **Payment
5/1 LIBOR ARM3.750%(0.125)4.039%$1,297
7/1 LIBOR ARM4.000%(0.125)4.115%$1,337

* Credit applied towards closing costs. May not exceed actual closing cost total.

** APR based on a loan amount of $280,000.

For 5/1 LIBOR ARM ~ MARGIN = 2.25 CAPS = 2/2/5 INDEX = WSJ 1yr LIBOR
For 7/1 LIBOR ARM ~ MARGIN = 2.25 CAPS = 5/2/5 INDEX = WSJ 1yr LIBOR

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.

A 5/1 ARM has a 5 year Fixed Period. A 7/1 ARM has a 7 year Fixed Period.

Our Adjustable Rate Mortgage Loans are based on the Wall Street Journal 1 Year LIBOR 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% at the first time the rate is adjusted for a 5/1 ARM and 5% for a 7/1 ARM. After that, the rate will not increase or decrease more than 2% each year. 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 Refinance 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 Rate/Term Refinance Transaction of an Owner-Occupied, Single Family Residence and for a borrower with a minimum FICO of 740, with a loan amount of $280,000 and LTV of 70%. For High Balance products, the Published Pricing and APR information is based on the same parameters with a loan amount of $560,000.

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.