Home Loans
Ask about our no closing costs mortgage and home equity product options! 7
| Type of Loan | Duration | Rates as low as | APR 1 |
| Fixed Rate First Mortgage 2 in-house | up to 10 years | 6.20% | 6.424% |
| First Mortgage in-house 3 (15 – yr amortization) | 10 year balloon | 6.24% | 6.442% |
| First Mortgage 3 (30 – yr amortization) as low as | 5 year balloon | 6.64% | 6.884% |
| Fixed Rate Home Equity 4 as low as | up to 10 years | 8.20% | 8.668% |
| Home Equity Line of Credit 5 80% Loan to Value or Less | 15 years | 8.00% 6 | |
| Home Equity Line of Credit 5 Up to 100% Loan to Value | 15 years | 8.50% 6 | |
| Prime Line Interest Only Payment (5-year term) 5 | 5 years | 8.00% 6 | |
| Unsecured Home Improvement (borrow up to $25,000) | up to 10 years | 10.44% | |
| Unimproved Land up to 50% of appraised value (no maximum loan amount) | 5 year balloon | 9.19% | varies by term |
| Unimproved Land 51% – 100% appraised value | 5 year balloon | 10.60% | 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 |
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.
We offer:
For your purchase and refinancing needs we also offer:
- Conventional Mortgages
- First Time Home Buyer
- 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 6.20% interest rate with an APR of 6.424%, 120 monthly estimated payments of $1,120.28
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 Current HPCU in-house mortgage refinances do not qualify. See Mortgage Specialist for details.
4 Up to a 10 year term, mortgage remains at Harbor Pointe. Payment example based on $25,000 loan amount at 8.20% interest rate with an APR of 8.668%,, 120 monthly estimated payments of $305.97 which includes principal & Interest payments. Maximum Loan-to-Value is 80%. Loan-to-Value products over 80% are available – call for current rates. 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
7 No closing cost offer: Active checking account required. (purchase transactions excluded from offer), mortgage remains at Harbor Pointe Credit Union. Harbor Pointe Credit Union reserves the right to end no closing cost promotion at any time. See a Mortgage Specialist for complete details.
*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.
