Mortgage Product Rates and Terms

Rates and terms quoted below are subject to change without notice and are effective as of 8/25/2019

FIXED RATE
CONFORMING
Up to $484,350 – $726,525 depending on county ^
Loan Rates ` Loan Points APR * Estimated Payment
Per $1,000 ^^
30 Year 3.425%
3.525%
3.625%
0.475%
0.325%
0.000%
3.463%
3.552%
3.625%
$4.45
$4.50
$4.56
20 Year 3.050%
3.150%
3.250%
0.863%
0.475%
0.000%
3.146%
3.203%
3.250%
$5.57
$5.62
$5.67
15 Year 2.800%
2.900%
3.000%
0.863%
0.375%
0.000%
2.924%
2.954%
3.001%
$6.81
$6.86
$6.91
JUMBO
Up to $2,000,000
Loan Rates ` Loan Points APR * Estimated Payment
Per $1,000 ^^
30 Year Jumbo 3.050%
3.150%
3.250%
2.000%
1.000%
0.000%
3.206%
3.229%
3.250%
$4.24
$4.30
$4.35
15 Year Jumbo 2.675%
2.775%
2.875%
1.200%
0.600%
0.000%
2.846%
2.861%
2.875%
$6.75
$6.80
$6.85
ADJUSTABLE RATE
CONFORMING
Up to $484,350 – $726,525 depending on county ^
Loan Rates ` Loan Points APR * Introductory Period
Payment per $1,000 ^^
Adjustable Period
Payment per $1,000 ^^
5/1
Introductory Period: 60 Months
Adjustable Period: 300 Months
3.050%
3.150%
3.250%
0.388%
0.188%
0.000%
4.172%
4.190%
4.210%
$4.24
$4.30
$4.35
$5.70
$5.70
$5.70
7/1
Introductory Period: 84 Months
Adjustable Period: 276 Months
3.175%
3.275%
3.375%
0.488%
0.213%
0.000%
4.047%
4.071%
4.100%
$4.31
$4.37
$4.42
$5.96
$5.96
$5.96
10/1
Introductory Period: 120 Months
Adjustable Period: 240 Months
3.175%
3.275%
3.375%
0.663%
0.300%
0.000%
3.837%
3.868%
3.904%
$4.31
$4.37
$4.42
$6.46
$6.46
$6.46
JUMBO
Up to $2,000,000
Loan Rates ` Loan Points APR * Introductory Period
Payment per $1,000 ^^
Adjustable Period
Payment per $1,000 ^^
5/1
Introductory Period: 60 Months
Adjustable Period: 300 Months
2.550%
2.650%
2.750%
0.800%
0.400%
0.000%
4.031%
4.033%
4.036%
$3.98
$4.03
$4.08
$5.70
$5.70
$5.70
7/1
Introductory Period: 84 Months
Adjustable Period: 276 Months
2.675%
2.775%
2.875%
1.000%
0.500%
0.000%
3.860%
3.866%
3.871%
$4.04
$4.10
$4.15
$5.96
$5.96
$5.96
10/1
Introductory Period: 120 Months
Adjustable Period: 240 Months
2.425%
2.525%
2.625%
1.200%
0.600%
0.000%
3.436%
3.448%
3.461%
$3.91
$3.96
$4.02
$6.46
$6.46
$6.46
HOME EQUITY LINES of CREDIT APR * Estimated Payment
Per $1,000 ^^
Flex Rate Home Equity Line of Credit (up to 80% CLTV)**1
Fixed-Rate Lock Option+2
as low as 5.25%
as low as 4.75%
$8.04
$18.76
Flex Rate Home Equity Line of Credit (up to 90% CLTV)**1
Fixed-Rate Lock Option+(if available)
as low as 7.50%
as low as 6.875%
$9.27
$19.74
HOME EQUITY LOANS
Up to $250,000
APR * Estimated Payment
Per $1,000 ^^
Home Equity Loan**2 as low as 5.00% $18.87
SECOND MORTGAGE
Up to $250,000
APR * Estimated Payment
Per $1,000 ^^
Down Payment Second Mortgage*** as low as 8.00% $9.56
` 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 $726,525 for a one-unit or up to $1,397,400 for a four-unit in high cost counties. Please contact a UNIFY Mortgage Loan Specialist at 877.254.9328 x6213 to determine 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.
** Maximum interest rate = 18% APR. Closing costs range from $500 to $1,100 depending upon state. Estimate of costs will be provided if your request is approved. Closing costs and origination fees waived for HELOC and Home Equity Loans with an initial advance of at least $10,000.00 taken at closing. HELOC or Home Equity Loan must remain open for at least 36 months from date of closing. If HELOC or Home Equity Loan is paid off and terminated within 36 months of closing date, closing costs and origination charges up to $500 will be added to the loan payoff amount.
+ Maximum interest rate = 18% APR. Rate lock conversion fee is $25 per occurrence. Maximum three fixed rate lock options open at any time. Rates are subject to change without notice.
1 Interest only HELOC products are not available if the loan in first position is also interest-only or negative amortizing. Estimated payment shown calculated on a 15-year term of fully amortized principal and interest.
2 Rate and payment shown calculated on 5-year term.
*** Not available on purchase of second/vacation home or in TX.
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.
† Rate subject to change annually after introductory period. Rate change based on constant maturity of one year T-Bill (CMT) plus margin of 2.75%.
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