FIXED RATE
CONFORMING
Up to $510,400 to $981,700 depending on county ^
Loan Rates
as low as* `
Loan Points APR * Estimated Payment
Per $1,000 ^^
30 Year 3.175%
3.275%
3.375%
0.663%
0.250%
0.000%
3.228%
3.295%
3.375%
$4.31
$4.37
$4.42
20 Year 3.050%
3.150%
3.250%
0.738%
0.288%
0.000%
3.132%
3.183%
3.250%
$5.57
$5.62
$5.67
15 Year 2.675%
2.775%
2.875%
0.575%
0.300%
0.000%
2.757%
2.818%
2.876%
$6.75
$6.80
$6.85
JUMBO
Up to $2,000,000
Loan Rates
as low as* `
Loan Points APR * Estimated Payment
Per $1,000 ^^
30 Year Jumbo 3.175%
3.275%
3.375%
2.000%
1.000%
0.000%
3.332%
3.354%
3.375%
$4.31
$4.37
$4.42
15 Year Jumbo 3.050%
3.150%
3.250%
1.200%
0.600%
0.000%
3.222%
3.237%
3.250%
$6.93
$6.98
$7.03
` A $500 non-refundable fee is charged once member indicates their intent to proceed with the transaction, after the loan estimate has been delivered in any manner. Acceptable forms of intent to proceed include, verbal communication by phone or in person, email, or a signed pre-printed form. These rates are subject to change without notice based on factors such as, but not limited to, loan-to-value, credit score, location, cash-out refinance and type of property (condo, multi-unit, etc.). Contact UNIFY for details on rate locks.
* APR = Annual Percentage Rate.
^ Conforming loan amounts could be as high as $765,600 for a one-unit or up to $1,472,550 for a four-unit in high-cost counties. Please contact a UNIFY Mortgage Lending Specialist at 877.254.9328 x 6213 to determine the maximum conforming amount for your county.
^^ All payments are shown per $1,000 financed, based on $400,000 conforming or $500,000 jumbo loan (except Home Equity Loan and Flex Rate Home Equity Line of Credit which are based on $250,000), and exclude taxes and insurance.
Loan approval: All applicants MUST meet loan approval criteria which are based on credit history, debts, ability to repay, home ownership and home value. If pre-approved, a $500 non-refundable fee will be required to complete your loan process. Property Insurance required.
Rates as shown are available from 8am - 2pm Pacific time. After hours pricing is available at an additional cost.