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Rates


Home Loans/Mortgages

Are you in the market for a new home? For a limited time NHFCU is offering $1,500 toward closing costs. Apply between March 1 and May 31, 2018. Contact us to apply today at mortgage@nhfcu.org. Please include your name, a contact number and best time to reach you.  You may also phone a lending representative at (603) 224-7731 ext. 506.  Minimum loan amount $100,000. Purchases or refinances are eligible for this offer. However, the offer is not available for homes already financed through NHFCU. A $1,500 lender credit is applied at closing. Your mortgage application must be “in-process” between March 1 and May 31, 2018 and close by July 31, 2018. If the loan is withdrawn or cancels for any reason, all fees associated with the application will be the responsibility of the borrower(s).  If the loan is paid in full within thirty-six (36) months from the date of funding, the borrower(s) will be required to reimburse NHFCU for the total amount of the credit.

Your Life. Your Home.
  

Purchases & Refinances - Conventional

Rates effective April 26, 2018
  Account Type  Rate  Points  APR  Monthly Payment
30 yr Fixed Rate4.625%No Points4.711%*$514.14 per $100,000Calculator 
20 yr Fixed Rate4.500%No Points4.617%*$632.65 per $100,000Calculator 
15 yr Fixed Rate4.125%No Points4.273%*$745.97 per $100,000Calculator 
10 yr Fixed Rate4.000%No Points4.213%*$1,012.45 per $100,000Calculator 
*Annual Percentage Rate (APR) is accurate as of the date shown.  No rate is guaranteed.  Rates and terms are subject to change without notice. The actual rate and APR available to you may be different than the rates posted based on your credit history, loan amount, property type, product features, down payment, as well as other criteria. Escrow for Real Estate taxes may be required which would increase your monthly mortgage payment. All mortgages are subject to credit approval. NHFCU may lend to members only.  Maximum conventional loan amount is $453,100.    NHFCU may lend to members only. Visit nhfcu.org/howtojoin or call today to find out if you are eligible for membership. For more information on rate and other loan options, please contact our Mortgage Department at 603-224-7731 ext. 506 or mortgage@nhfcu.org.
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Purchases & Refinances - Jumbo Loan

Rates effective April 26, 2018
A loan is considered jumbo if the amount of the mortgage exceeds loan-servicing limits set by Fannie Mae.  Jumbo mortgages are defined by a loan amount greater than $453,100 and are available on primary residences only.  Jumbo mortgage loans fall outside of the typical guidelines that refer to “conforming loans”.  See a representative for more details.
  Account Type  Rate  Points  APR  Loan Amount  Monthly Payment
30 yr Jumbo Fixed Rate4.625%No Points4.711%*$453,100 +$514.14 per $100,000Calculator 
15 yr Jumbo Fixed Rate4.125%No Points4.273%*$453,100 +$745.97 per $100,000Calculator 
*Annual Percentage Rate (APR) is accurate as of the date shown.  No rate is guaranteed.  Rates and terms are subject to change without notice. The actual rate and APR available to you may be different than the posted rate.
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70 Airport Road
Concord NH 03301
(603) 224-7731
(800) 639-4039
47 N. Main Street
Concord, NH 03301
(603) 224-7731
(800) 639-4039
71 Calef Highway
Lee, NH
(603) 224-7731
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