Rates as of: March 11, 2010  at 9:20 a.m. To apply, please contact the Real Estate Department for an appointment:

• Email an Appointment Request  click here
• Apply online at  Mortgages Online  click here
• Phone: (209) 549-8500 or (877) 549-4567, option 8

Rates listed below are Valley First Credit Union's best rates. The rates will be "priced" based on each member's specific situation.All loans are subject to credit score, Loan-to-Value, Cash-out, Impounds and property type. RATES ARE SUBJECT TO CHANGE AT ANY TIME.Adjustable rates are also available.*

Conventional Loans - Purchase/Refinance

• Financing up to $417,000
• Loan amounts below $60,000,special pricing
• Owner-occupied up to 90% LTV  for purchases*
• Non-owner occupied up to 75% LTV, rate must be quoted
• No cash-out on Non-Owner Occupied or Second Homes
• Fixed rate 5-year and 7-year terms available
• Interest only options on some products
• Financing available for condos and modular homes on permanent foundation* 
• Best rates subject to minimum mid credit score of 700 and LTV
• FHA FINANCING AVAILABLE THROUGH OUR WEBSITE ONLY
• INVESTMENTPROPERTIES:MINIMUM LOAN AMOUNT: $100,000
• PRIMARY & SECOND HOMES: MINIMUM LOAN AMOUNT: $50,000

*Subject to change based on underwriting guidelines.

10 Year Fixed

4.250%

1%

• Loan amounts exceeding $417,000
• Maximum Loan amount: $2,000,000
• Condos: Up to $1,000,000
• Owner Occupied/Second Homes
• Investment Properties Not Eligible
• Financing available up to75% LTV  subject to credit approval
• Minimum credit score of 740

30 Year Fixed

6.000%

1%

15 Year Fixed

5.250%

1%

Home Equity and Home Improvement

• $10,000 minimum loan amount
• $500,000 maximum loan amount
• Fees are subject to credit score.An additional escrow fee may apply when an existing lien is paid.
  

• Not available

   HELOC Disclosure

* Contact Real Estate Department for details. 
   LTV = Loan to Value  CLTV=Combined Loan-to-Value