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RatesHome Loans/MortgagesYour home is your most important investment. Invest in a home loan from a lender you know and trust. The rates listed below were effective on the date listed and are subject to change daily. They represent a small sample of the programs available through NH Federal Credit Union. For a more complete daily listing, click here or contact us directly at 224-7731, ext. 159.
Purchases & RefinancesRates effective September 9, 2010
Payments & APR* based on $100,000 loan amount and 20% down.| Account Type | Term | Rate | APR | Monthly Payment | | | | Secondary Rates: Service Released | 10 Yr Fixed | 4.000% | 4.228% | $1,012.46 |  |  | | | Secondary Rates: Service Released | 15 Yr Fixed | 4.000% | 4.158% | $739.69 | | | | | Secondary Rates: Service Released | 20 Yr Fixed | 4.375% | 4.453% | $625.93 | | | | | Secondary Rates: Service Released | 30 Yr Fixed | 4.500% | 4.557% | $499.29 | | | *APR is the Annual Percentage Rate The rates posted are based on certain assumptions that may or may not apply to your loan. Rate and/or points may vary according to the property and loan characteristics. Rates quoted are not guarenteed. Rates are subject to change without notice. All loans are subject to credit requirements. All rates quoted are with a 30-day rate lock. First mortgage rates apply to single family dwelling, owner occupied primary residence with a credit score of 740 or higher, combined loan-to-value less than 80.00%. Includes escrows of home owners insurance and taxes, no cash-out refinance. Does not include manufactured homes or condos. If the mortgage application is withdrawn, denied, or appoved but does not close, fees will not be refunded. Fees included in the APR: $450 origination charge, $11 life of loan flood certification fee, $35 doc prep fee, $89 Tax Service, and $475 underwriting fee. NHFCU may lend to members only.
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Jumbo MortgagesRates effective September 9, 2010
Mortgages greater than $417,001.00| Account Type | Term | Rate | Points | APR | Minimum Balance | Monthly Payment | Total Finance Charge | Total Payments | | | | 15 yr Fixed Rate | 180 monthly payments | 6.250% | None | 6.352% | $417,001.00 | $3,575.46 | $226,582.00 | $643,583.00 | | | | | 30 yr Fixed Rate | 360 monthly payments | 6.500% | None | 6.562% | $417,001.00 | $2,635.73 | $531,862.00 | $948,863.00 | | | * Annual Percentage Rate (APR) and finance charges are the best available rates for a loan amount of $417,001 or more, with 30% down. Payments do not include amounts for taxes and insurance premiums. If applicable, the actual payment obligation will be greater. Additional programs and pricing tiers are available. Please contact us for specific terms. All mortgage loans may be subject to risk-based pricing adjustments called "Loan-Level Pricing Adjustments" from Fannie Mae. All loans are priced individually. If the mortgage application is withdrawn, denied or approved and does not close, fees will not be refunded. Fees include: $450 origination charge, $30 credit report, $11 life of loan flood certification fee, $35 doc prep fee, $115 underwriting fee.
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