First Mortgage Rates - Delta Community Credit Union
First Mortgage Rates
Fixed-Rate First Mortgage Loan - LTV 70%
Term
Rate
30-Year Fixed-Rate: 360 equal monthly payments
6.000%
15-Year Fixed-Rate: 180 equal monthly payments
5.625%
APR*
6.149% 5.872%
Monthly Payment
$1,498.88 $2,059.33
The rates listed above are based on a loan amount of $250,000 for the purchase of a single-family residence up to a 70% loan-to-value ratio with borrower's credit score of 720+.
Payment does not include taxes and insurance; actual payment may be greater. *The above APR includes a 1% origination fee.
Fixed-Rate First Mortgage Loan - LTV 71%- 80%
Term
Rate
30-Year Fixed-Rate: 360 equal monthly payments
6.125%
15-Year Fixed-Rate: 180 equal monthly payments
5.750%
APR*
6.275% 5.998%
Monthly Payment
$1,519.03 $2,076.03
The rates listed above are based on a loan amount of $250,000 for the purchase of a single-family residence between 71%- 80% loan-to-value ratio with borrower's credit score of 720+.
Payment does not include taxes and insurance; actual payment may be greater.
*The above APR includes a 1% origination fee.
First-Time Home Buyer Loan- With Lender Paid Mortgage Insurance
Term
Rate
APR
Monthly Payment
30-Year Fixed-Rate: 360 equal monthly payments
6.875%
6.932%
$1,642.32
The rates listed above are based on a loan amount of $250,000 for the purchase of a single-family residence up to a 97% loan-to-value ratio with borrower's credit score of 720+.
Payment does not include taxes and insurance; actual payment may be greater.
Jumbo Loan - LTV 70%
Term
Rate
APR*
Monthly Payment
30-Year Fixed-Rate: 360 equal monthly payments
6.250%
6.339%
$4,925.74
15-Year Fixed-Rate: 180 equal monthly payments
6.000%
6.146%
$6,750.85
The rates listed above are based on a loan amount of $800,000 for the purchase of a single-family residence up to a 70% loan-to-value ratio with borrower's credit score of 720+.
Payment does not include taxes and insurance; actual payment may be greater. *The above APR includes a 0.75% origination fee.
Jumbo Loan - LTV 71%- 80% Term
30-Year Fixed-Rate: 360 equal monthly payments 15-Year Fixed-Rate: 180 equal monthly payments
Rate
6.375% 6.125%
APR*
6.464% 6.272%
Monthly Payment
$4,990.96 $6,805.00
The rates listed above are based on a loan amount of $800,000 for the purchase of a single-family residence between 71%- 80% loan-to-value ratio with borrower's credit score of 720+.
Payment does not include taxes and insurance; actual payment may be greater.
*The above APR includes a 0.75% origination fee.
Adjustable-Rate First Mortgage Loan Programs
5/1, 7/1 or 10/1 ARM programs are available - please call for rates. Initial rate is fixed for a period of 5, 7 or 10 years and the subsequent rate adjustments are based on the Treasury Index plus a margin. Variable rates are subject to change after closing.
Second Mortgage Rates
Fixed-Rate Home Equity Loan Term
5-Year Fixed-Rate 10-Year Fixed-Rate 15-Year Fixed-Rate
Rate
7.750% 7.875% 8.000%
APR
7.754% 7.877% 8.001%
Monthly Payment
$2,015.70 $1,206.68 $955.65
The rates listed above are based on a loan amount of $100,000 for a combined loan-to-value ratio of 70% with borrower's credit score of 733+.
Payment does not include taxes and insurance; actual payment may be greater.
Delta Community also offers Home Equity Lines of Credit (HELOC) with variable interest rates and payment options. Please contact a Home Loan Specialist or a Home Equity Specialist at 866-963-7811 or Home.Loans@ for more information about our HELOC rates.
Credit subject to approval. Rates posted are indications only and are subject to change without notice. Your actual rate may be different, as many factors go into providing you with a mortgage loan. Rates shown are available to qualified borrowers.
Insured by NCUA.
NMLS #401141
Rates effective as of 6/26/2024
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