Mortgage Rates
The rates we offer shown below are examples effective as of Jun 27, 2017, and not intended to be inclusive or a commitment to the pricing for which you may qualify. For additional information and rates for loan amounts less than $100,000 please call 1-888-4WESCOM (1-888-493-7266).
Fixed-Rate Mortgages
| Loan | Rate | Points | APR |
|---|---|---|---|
Conforming Fixed Rates ($100,000 - $424,100) |
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| 30 -Year | 3.875% | 0.000 | 3.922% |
| 30 -Year | 3.750% | 1.000 | 3.880% |
| 20 -Year | 3.625% | 0.000 | 3.691% |
| 20 -Year | 3.500% | 1.000 | 3.680% |
| 15 -Year | 3.250% | 0.000 | 3.334% |
| 15 -Year | 2.990% | 1.000 | 3.219% |
Jumbo Fixed Rates ($424,101 - $1,500,000)* |
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| 30-Year | 3.875% | 0.000 | 3.923% |
| 15-Year | 3.250% | 0.000 | 3.335% |
Adjustable Rate Mortgages
| Loan | Rate | Points | APR | Index | Margin |
|---|---|---|---|---|---|
Special Offer Adjustable Rate Mortgage |
|||||
| 5/1 Fixed to ARM1, 2 (Loans up to $1,000,000) |
2.500% | 0.000 | 2.737% | 1 YR Libor | 2.250 |
Adjustable Rate Mortgages (Loans up to $1,000,000) |
|||||
| 5/1 Fixed to ARM 2 | 2.750% | 0.000 | 2.822% | 1 YR Libor | 2.250 |
| 7/1 Fixed to ARM 3 | 3.000% | 0.000 | 2.903% | 1 YR Libor | 2.250 |
| 10/1 Fixed to ARM 4 | 3.375% | 0.000 | 3.189% | 1 YR Libor | 2.250 |
| 15/15 Fixed to ARM 5 | 3.500% | 0.000 | 3.626% | 10 YR CMT | 1.250 |
Jumbo Adjustable Rate Mortgages ($1,000,001 to $1,500,000)* |
|||||
| 5/1 Fixed to ARM 2 | 2.750% | 0.000 | 2.822% | 1 YR Libor | 2.250 |
| 7/1 Fixed to ARM 3 | 3.000% | 0.000 | 2.903% | 1 YR Libor | 2.250 |
| 10/1 Fixed to ARM 4 | 3.375% | 0.000 | 3.189% | 1 YR Libor | 2.250 |
| 15/15 Fixed to ARM 5 | 3.500% | 0.000 | 3.626% | 10 YR CMT | 1.250 |
* Loan amounts greater than $1,000,000 are subject to additional rate adjustment.
1 The special offer adjustable rate mortgage is available on single-family, primary residences only. A minimum FICO Score of 720 is required. Maximum loan amount of $1,000,000. Maximum LTV/CLTV 75%. The initial rate adjustment will not exceed 2.00% and each subsequent rate adjustment will not exceed 2.00%. The maximum rate and APR increase over the life of the loan period is 5.00% from the start rate. Monthly payments may increase corresponding to changes to the rate.
2 The rate and APR is fixed for the first five years and adjusts annually thereafter. The initial rate adjustment will not exceed 2.00% and each subsequent rate adjustment will not exceed 2.00%. The maximum rate and APR increase over the life of the loan period is 5.00% from the start rate. Monthly payments may increase corresponding to changes to the rate.
3 The rate and APR is fixed for the first seven years and adjusts annually thereafter. The initial rate adjustment will not exceed 5.00% and each subsequent rate adjustment will not exceed 2.00%. The maximum rate and APR increase over the life of the loan period is 5.00% from the start rate. Monthly payments may increase corresponding to changes to the rate.
4 The rate and APR is fixed for the first ten years and adjusts annually thereafter. The initial rate adjustment will not exceed 5.00% and each subsequent rate adjustment will not exceed 2.00%. The maximum rate and APR increase over the life of the loan period is 5.00% from the start rate. Monthly payments may increase corresponding to changes to the rate.
5 The rate and APR is fixed for the first fifteen years and adjusts once thereafter. The rate adjustment will not exceed 6.00%. The maximum rate and APR increase over the life of the loan period is 6.00% from the start rate. Monthly payments may increase corresponding to the change to the rate.
FHA Mortgages
| Loan | Rate | Origination Points | Discount Points | APR |
|---|---|---|---|---|
FHA Conforming Fixed Rates |
||||
| 30-Year | 3.875% | 1.00 | -1.500 | 3.881% |
| 30-Year | 3.750% | 1.00 | -1.125 | 3.787% |
| 15-Year | 3.250% | 1.00 | -0.125 | 3.462% |
| 15-Year | 3.000% | 1.00 | 0.875 | 3.358% |
FHA Jumbo Fixed Rates |
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| 30-Year | 4.250% | 1.00 | 0.000 | 4.384% |
| 30-Year | 4.125% | 1.00 | 0.125 | 4.269% |
APR = Annual Percentage Rate
Rates subject to change without notice.
FHA Mortgages are processed by CUSO Mortgage, Inc., a wholly owned subsidiary of Wescom Holdings, LLC, which is a wholly owned subsidiary of Wescom Credit Union. CUSO Mortgage, Inc. is licensed by the California Department of Business Oversight under the California Residential Mortgage Lending Act, license number 413-0584. NMLS ID 226752.
For additional information on FHA loans please call 1-800-400-4540.
Contact us at 1-888-4WESCOM(1-888-493-7266) or by email.
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