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MORTGAGE RATES

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Rates and points change daily.
Effective: 04/15/2014 10:10 a.m.

All rate/point quotes below are exclusive of a required one percent (1%) loan origination fee. This represents a partial listing of mortgage options available. Many other plans with varying rate and points structures are available. For more details, please contact us at 301-249-1800 or 1-888-NASA-FCU (627-2328), ext. 207.

FHA MORTGAGES (UP TO $417,000)


Term
Best Rate
Rate

Points

APR*
Best Points
Rate

Points

APR*
30-Year Fixed Rate 3.625% 2.125 4.097% 3.875% 0.000 4.151%

VA MORTGAGES (UP TO $417,000)


Term
Best Rate
Rate

Points

APR*
Best Points
Rate

Points

APR*
30-Year Fixed Rate 3.625% 2.000 4.087% 3.875% 0.000 4.183%

CONVENTIONAL MORTGAGES (UP TO $417,000)


Term
Best Rate
Rate

Points

APR*
Best Points
Rate

Points

APR*
30-Year Fixed Rate 4.000% 1.875 4.293% 4.250% 0.000 4.391%
15-Year Fixed Rate 3.000% 1.625 3.471% 3.375% 0.000 3.619%
3/1 ARM 2.500% 0.750 2.892% 2.750% 0.000 2.880%
5/1 ARM 2.375% 1.250 2.865% 2.750% 0.000 2.880%
7/1 ARM 2.750% 1.750 3.013% 3.250% 0.000 3.075%
10/1 ARM 3.375% 1.000 3.290% 3.625% 0.000 3.345%

JUMBO MORTGAGES ($417,001 AND UP)


Term
Best Rates
Rate

Points

APR**
Best Points
Rate

Points

APR**
30-Year Fixed Rate 4.125% 1.375 4.347% 4.375% 0.000 4.485%
15-Year Fixed Rate 3.250% 2.000 3.723% 3.625% 0.000 3.815%
3/1 Jumbo ARM 2.750% 0.000 2.850% 2.750% 0.000 2.850%
5/1 Jumbo ARM 3.000% 0.000 2.922% 3.000% 0.000 2.922%
7/1 Jumbo ARM 3.375% 0.000 3.094% 3.375% 0.000 3.094%
10/1 Jumbo ARM 3.750% 0.000 3.381% 3.750% 0.000 3.381%

* APRs are based on a $200,000 loan and 75% loan-to-value.

** APRs are based on a $450,000 loan and 75% loan-to-value.

ARM = Adjustable Rate Mortgage. ARM rates are based on an index (as published in the Wall Street Journal) plus a margin. Creditworthiness, loan-to-value, certain cash-out refinance transactions, property type, subordinate financing, loan size and certain extended lock periods are also factors that may affect the rate, so your rate may differ. An ARM is a variable rate loan and the rate is subject to change after consummation of the loan.

3/1 ARM

A 3/1 ARM is an Adjustable Rate Mortgage that has a fixed initial interest rate for the first three years and is subject to adjustments each year thereafter. The annual rate adjustment is based on the current index plus a margin. Your first adjustment can increase or decrease up to 2% and subsequent annual adjustments can increase or decrease up to 2%. However, your interest rate cannot change more than 6% over the term of the loan (up to 30 years). The interest rate will never be less than the margin.

5/1 ARM

A 5/1 ARM is an Adjustable Rate Mortgage that has a fixed initial interest rate for the first five years and is subject to adjustments each year thereafter. The annual rate adjustment is based on the current index plus a margin. Your first adjustment can increase or decrease up to 5% and subsequent annual adjustments can increase or decrease up to 2%. However, your interest rate cannot change more than 5% over the term of the loan (up to 30 years). The interest rate will never be less than the margin.

7/1 ARM

A 7/1 ARM is an Adjustable Rate Mortgage that has a fixed initial interest rate for the first seven years and is subject to adjustments each year thereafter. The annual rate adjustment is based on the current index plus a margin. Your first adjustment can increase or decrease up to 5% and subsequent annual adjustments can increase or decrease up to 2%. However, your interest rate cannot change more than 5% over the term of the loan (up to 30 years). The interest rate will never be less than the margin.

10/1 ARM

A 10/1 ARM is an Adjustable Rate Mortgage that has a fixed initial interest rate for the first ten years and is subject to adjustments each year thereafter. The annual rate adjustment is based on the current index plus a margin. Your first adjustment can increase or decrease up to 5% and subsequent annual adjustments can increase or decrease up to 2%. However, your interest rate cannot change more than 5% over the term of the loan (up to 30 years). The interest rate will never be less than the margin.

3/1 Jumbo ARM

A Jumbo 3/1 ARM is an Adjustable Rate Mortgage that has a fixed initial interest rate for the first three years and is subject to adjustments each year thereafter. The annual rate adjustment is based on the current index plus a margin. Your first adjustment can increase or decrease up to 2% and subsequent annual adjustments can increase or decrease up to 2%. However, your interest rate cannot change more than 6% over the term of the loan (up to 30 years). The interest rate will never be less than the margin.

5/1 Jumbo ARM

A Jumbo 5/1 ARM is an Adjustable Rate Mortgage that has a fixed initial interest rate for the first five years and is subject to adjustments each year thereafter. The annual rate adjustment is based on the current index plus a margin. Your first adjustment can increase or decrease up to 5% and subsequent annual adjustments can increase or decrease up to 2%. However, your interest rate cannot change more than 5% over the term of the loan (up to 30 years). The interest rate will never be less than the margin.

7/1 Jumbo ARM

A Jumbo 7/1 ARM is an Adjustable Rate Mortgage that has a fixed initial interest rate for the first seven years and is subject to adjustments each year thereafter. The annual rate adjustment is based on the current index plus a margin. Your first adjustment can increase or decrease up to 5% and subsequent annual adjustments can increase or decrease up to 2%. However, your interest rate cannot change more than 5% over the term of the loan (up to 30 years). The interest rate will never be less than the margin.

10/1 Jumbo ARM

A Jumbo 10/1 ARM is an Adjustable Rate Mortgage that has a fixed initial interest rate for the ten years and is subject to adjustments each year thereafter. The annual rate adjustment is based on the current index plus a margin. Your first adjustment can increase or decrease up to 5% and subsequent annual adjustments can increase or decrease up to 2%. However, your interest rate cannot change more than 5% over the term of the loan (up to 30 years). The interest rate will never be less than the margin.

Unless you have a rate lock (call for details) rates are subject to change without notice. Rates are generally updated daily.

More Options Available: If you do not see the mortgage option you are looking for here, please call us. We offer a full range of nationwide mortgage services, including financing for first homes and vacation homes. Please call for rates on $100,000 or less.

NASA Federal Credit Union is an Equal Housing Lender.

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