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Welcome Home – You’re in the right place!
Are you buying a new home or refinancing your current home? Let us assist you find the mortgage loan that’s right for you. We’ll make it easy by answering all your questions and explaining all of your options .
Your Call FCU loan offers you:
- Low Rates for First and Second mortgages. See rates for 15 year First mortgages, Second mortgages and Home Equity Lines of Credit below. For all other mortgages including 30 year mortgages, ARM’s and more, visit our Online Mortgage Resource Center for a rate quote.
- Many Loan Options: If we can’t do it in house, most likely our mortgage partner, Member Options, can help!
- Personal Service: Our Mortgage Specialist is available by phone or e-mail to answer your questions, offer advice and will be with you every step of the way through the mortgage process.
- Online Mortgage Resource Center: Apply online, get answers to your questions, look up information in the glossary of terms, use the mortgage calculators, receive a rate quote and more!
First Mortgage New Purchase Money / Refinance - 15 Years through Call FCU:
Last updated January 5, 2008
Best 4.75% APR* terms up to 180 months
For example, if you finance $100,000 at 4.75% APR, you would have a monthly payment of $777.83 for 180 months. payment does not include escrow payment.
Better 5.75% APR* terms up to 180 months
For example, if you finance $100,000 at 5.75% APR, you would have a monthly payment of $830.41 for 180 months. Payment does not include escrow payment.
Good 6.75% APR* terms up to 180 months
For example, if you finance $100,000 at 6.75% APR, you would have a monthly payment of $884.91 for 180 months. Payment does not include escrow payment.
Use our mortgage calculator to find out your payment.
Other terms and options are available through Member Options, our Mortgage Lending Partner. Visit the Online Mortgage Resource Center to find additional information about closing, rates, a glossary of mortgage terms and to apply for a mortgage online. You can also call our Mortgage Rate Line at (804) 274-1231 or 1 800 796-CFCU x41231.
The interest rates and annual percentage rates (APRs) shown are subject to change without notice. Your specific rate may differ based on your individual credit worthiness. *APR = Annual Percentage Rate. Your APR will vary based on your final loan amount and finance charges. APRs shown are for owner-occupied, single family dwellings up to 80% LTV. The home must be primary residence. If loan amount exceeds Freddie Mac Jumbo loan amount ($417,000), LTV cannot exceed 70%. Call us for more information.
Important Notices:
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For purchase pre-approvals, there is a $75 application fee collected at time of application.
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$350 processing fee on all First Mortgage loans.
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$0 origination points
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$0 discount points
The monthly payment amount shown includes principal and interest. Your actual payment will be higher if an escrow account is established or required.
Closing Costs for First Mortgages vary. Typical fees include Appraisal Fee, Title Search, Recording Fee, Escrow, Flood Zone Determination and other fees as applicable.
Second Mortgage:
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Variable rate, set quarterly, current rate is 4.50% APR**
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The index is the prime rate published in the Wall Street Journal.
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The rate is 0.50% APR above the index, to change quarterly on January 1st, April 1st, July 1, & October 1st.
**APR = Annual Percentage Rate
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Please call or email your Mortgage Loan Coordinator at (804) 274-1227 for details on all of our programs.
Payments may be approximated by using the Mortgage Financial Calculators.
We do business in accordance with the Federal Fair Housing Lending Laws.
Under the Federal Fair Housing Act, it is illegal, on the basis of race, color, national origin, religion, sex, handicap, or familial status (having children under the age of 18) to
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Deny a loan for the purpose of purchasing, constructing, improving, repairing or maintaining a dwelling, or deny any loan secured by a dwelling; or
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Discrimination in fixing the amount, interest rate, duration, application procedures or other terms or conditionals of such a loan, or in appraising property.
If you believe you have been discriminated against, you should send a complaint to Assistant Secretary for Fair Housing and Equal Opportunity Department of Housing & Urban Development Washington, DC 20410
For processing under the Federal Fair Housing Act:
National Credit Union Administration
Office of Examination and Insurance
1775 Duke Street
Alexandria, VA 22314-3428
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