Mortgage Rates | First Financial Federal Credit Union

Mortgage Rates | First Financial Federal Credit Union

Rates are subject to change at anytime

Rates available on approved credit. Rates may be different as determined by the individual credit and collateral worthiness of each applicant. Not all applicants will qualify for the lowest rate. First Financial is able to lend in Maryland and Pennsylvania. Mortgage rates can be locked for 45 days. For more information on rates, products, or to apply for a mortgage, please call us at 410-321-6060, option 4. 

Fixed Rate Mortgages

Effective Date: Monday, September 14, 2020

Fixed Rate Mortgages

30 year 3.000% 3.054% $4.22
20 year 2.875% 2.942% $5.48
15 year 2.500% 2.586% $6.67
10 year 2.375% 2.500% $9.37
5 year 2.125% 2.367% $17.58
15 year Land Loan 4.000% 4.074% $7.40

Adjustable Rate Mortgages

Effective Date: Monday, September 14, 2020

Adjustable Rate Mortgages

10/10/10 3.000% 3.039% $4.22
5/51 2.625% 3.486% $4.02
5/1 2.5% 4.195% $3.95

Home Equity Fixed Rate Mortgages

Effective Date: Monday, September 14, 2020

Home Equity Fixed Rate Mortgages

5 yr1,2 4.000% 4.002% $18.43
10 yr1,2 4.750% 4.758% $10.49
15 yr1,2 5.000% 5.006% $7.91
20 yr1,2 5.500% 5.504% $6.88

Home Equity Lines of Credit

Effective Date: Monday, September 14, 2020

Home Equity Lines of Credit

Up to 80% LTV1 3.00% 1.9% promo rate for first 12 months for qualified members
80.01% – 90% LTV1 4.00% 1.9% promo rate for first 12 months for qualified members
90.01% – 100% LTV1 5.00% 1.9% promo rate for first 12 months for qualified members

DETAILS AND DISCLOSURES

1 First Financial may waive the closing costs on certain products. If the Credit Union pays your closing costs and the loan is paid off within 24 months of the original note date, closing costs must be reimbursed to First Financial by the borrower. Purchase transactions not eligible.

2Rates quoted are based on 20% equity in your home. Financing available up to 100% of the value of your home, subject to additional pricing, terms and conditions

ANNUAL PERCENTAGE RATE calculated on loan amount of $175,000.

Payment Factor quoted does not include amounts for property taxes and insurance. Your payment amount may be greater. 

Adjustable Rate Mortgage index is the 1yr LIBOR as posted in the Wall Street Journal.

After the introductory rate on Home Equity Lines of Credit, your monthly APR will be a fully indexed rate based on Prime plus or minus a margin and based on your credit line amount, Loan to Value and other factors. The Prime Rate is obtained from the Wall Street Journal.

The application of additional loan level pricing adjustments will be determined by various loan attributes to include but not limited to the loan-to-value (LTV) ratio, credit score, transaction type, property type, product type, occupancy, and subordinate financing.

Read about:   Mortgage Loans

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