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Routing #291973687

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Routing #291973687
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Home Loans

 

Ask about our No Closing Costs Mortgage and Home Equity products!3

 

Pay your loan off faster and save even more in interest with our free bi-weekly payment option on all in-house loans. Ask a mortgage lender for details.

 

Type of Loan Duration Rate APR 1
Fixed Rate First Mortgage 2 in-house up to 10 years 4.04% 4.264%
First Mortgage in-house
(15 – yr amortization)
10 year balloon 4.29% 4.462%
First Mortgage
(15 year amortization)
as low as
First Mortgage
(30 – yr amortization)
as low as
5 year balloon

4.14%

 

4.625%

 

4.404%

 

4.862%

 

Construction – interest only 3-18 months 5.25%
Fixed Rate Home Equity 4
as low as
5 to 10 years

Range of:

5.00%
6.00%

 

5.026%

6.017%

Home Equity Line of Credit 5
80% Loan to Value or Less
15 years Prime Rate Minus 1% 6

Home Equity Line of Credit 5

Up to 100% Loan to Value

15 years Prime Rate Plus .50% 6
Prime Line Interest Only Payment (5-year term) 5 5 years WSJ Prime Rate 6
Unsecured Home Improvement (borrow up to $25,000) up to 10 years 7.49%
Unimproved Land up to 50% of appraised value
(no maximum loan amount)
5 year balloon  6.50% varies by term
Unimproved Land 51% – 100% appraised value 5 year balloon 7.25% varies by term
1 year ARM (up to 30 years)
5 year ARM (up to 30 years)
adjusts after 1 or 5 years Call  722-9242 for rate
 5/5 ARM (up to 30 years)  adjusts every 5 years Call 722-9242 for rate
Conventional First (secondary market only)  15,20,30,40 year fixed rates available Call 722-9242 for rate

What We Offer

First Mortgages:

  • Purchases and refinancing (including purchase money seconds)
  • Primary, vacation and investment property financing
  • Flexible term and payment options
  • Serviced at Harbor Pointe Credit Union

Home Equity Loans:

Easy application process, use your home equity loan for such things as home improvements, debt consolidation, college tuition and more!

  • Competitive interest rates
  • Flexible terms
  • Home remodel loans up to 133% LTV!

Lines of Credit:

Our home equity line of credit offers:

  • Flexible fund withdrawal
  • Terms up to 15 years (5-year draw, 10-year repayment)
  • Competitive interest rates
  • Up to 100% loan to value
  • low rate margins

Home Improvement Loans:

  • Low or no equity options
  • Unsecured loan up to $25,000 with up to 10 years to repay
  • Eligible property types (owner occupied) include: Single Family, Townhouse, Condominium, Duplex
  • Used for home improvements on owner occupied properties

Energy Loans:

  • Fast approval and funding process
  • Low rate and up to 10 year term keep payments affordable
  • Use it to improve your home’s energy efficiency, helping to save in monthly energy costs

Construction Loans:

Building that dream home? We can help!

  • One time close
  • Construction to permanent financing available
  • 3 – 18 months construction phase
  • Interest only payments while you build

Bare Land:

Lake property, hunting land, future new home site? It’s easy with a land loan at Harbor Pointe Credit Union!

  • Up to 100% purchase financing  available
  • Flexible terms and payments

For Your Purchase and Refinancing Need We also Offer:

  • Conventional Mortgages
  • FHA Loans
  • VA Loans

1 APR = Annual Percentage Rate

2 Up to a 10 year term, first mortgage position only, mortgage remains at Harbor Pointe Credit Union. Payment example based on $100,000 loan amount at 4.04% interest rate with an APR of 4.264%, 120 monthly estimated payments of $1,024.72.13 which includes principal  & interest payments. Maximum Loan-to-Value is 80%. Rate subject to change without notice. Current Harbor Pointe Credit Union 10 year in-house mortgage refinances do not qualify. See a Mortgage Specialist for complete details.

3 No closing cost offer: Active checking account required. (Purchase transactions excluded from offer), Mortgage remains at Harbor Pointe Credit Union. Payment example based on $100,000 loan amount at 4.375% interest rate with an APR of 4.377%, 120 monthly estimated payments of $1,030.46 which includes principal  & interest payments. Maximum Loan-to-Value is 80%. Rate subject to change without notice. Harbor Pointe Credit Union reserves the right to end no closing cost promotion at any time. See a Mortgage Specialist for complete details.

4 Up to a 10 year term, mortgage remains at Harbor Pointe. Example based on $25,000 loan amount at 6.00% interest rate with an APR of 6.017%, maximum Loan-to-Value is 80%. Loan-to-Value products over 80% available. Rate subject to change without notice. See a Harbor Pointe Mortgage Specialist for complete details.

5 APR will vary with Prime Rate (index) as published in the Wall Street Journal (WSJ)

6 As printed in the Wall Street Journal prime rate

 

*Disclaimer: While we strive to keep our site updated with all current rates and information, these rates may be outdated. Please call or stop in before making a final decision.