SEFCU - Fixed Rate Mortgages

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PERSONAL > Lending Center > Mortgages > Traditional Mortgages > Fixed Rate Mortgages

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TODAY'S RATES: Conventional Fixed Rate
Loan Sub-Account Description Rate*
Effective 3/15/2010 PM* Points Annual Percentage Rate (APR)
30 Year Fixed 4.750% 2.25 4.96%
30 Year Fixed 5.000% 0.75 5.08%
30 Year Fixed 5.125% 0.00 5.13%
20 Year Fixed 4.500% 2.25 4.78%
20 Year Fixed 4.750% 0.75 4.85%
20 Year Fixed 5.000% 0.00 5.01%
15 Year Fixed 4.125% 2.00 4.40%
15 Year Fixed 4.250% 1.00 4.41%
15 Year Fixed 4.375% 0.00 4.39%
10 Year Fixed 4.125% 2.00 4.58%
10 Year Fixed 4.250% 1.00 4.49%
10 Year Fixed 4.375% 0.00 4.40%

Do you want the security of level principal and interest payments and a fixed interest rate for the life of your mortgage? SEFCU’s onventional mortgage may be for you. Get a mortgage for 10, 15, 20, or 30 years. Borrow up to 95% of the purchase price or appraised value, whichever is less, and enjoy the same payment.

Best of all, you can apply online, simply visit our Mortgage Center, or call a SEFCU Mortgage Originator at 518-451-2941. Outside the 518 area code call 866-733-2880 x 2941.

*Rates are posted twice a day (AM and PM) and are subject to change without notice.
For non-owner occupied rates please call 518-464-5357.

For cash out refinances with loan-to-value ratios between 70.01%-80% that qualify, add .50 to the points quoted above.

Minimum downpayment is 5%, unless applying for Alt 97 which is 3%.

Both Conventional and Alt 97 loan rates can be locked for 55 days at any time from application, up to 3 days prior to closing.

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