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Real Estate Rate Schedule

Rates as of: May 8, 2008

To apply, please contact the Real Estate Department for an appointment:

  • Click here to email an Appointment Request
  • Phone: (209) 549-8500 or (877) 549-4567, option 8

Rates listed below are Valley First Credit Union's best rates. 
All loans are subject to credit score and property type. Rates are subject to change. Adjustable rates are also available.*

Conventional Loans - Purchase/Refinance

 First Mortgage
Term
Fixed Rate
Origination Fee
  • Financing up to $417,000
  • Loan amounts below $50,000, add .50 to Origination Fee
  • Owner-occupied up to 100% LTV
  • Non-owner occupied up to 90% LTV, add .50 to rate*
  • Fixed rate 5-year and 7-year terms available
  • Interest only options on some products
  • Financing available for condos and modular homes*
40 Year Fixed
6.500%
1%
30 Year Fixed
5.875%
1%
20 Year Fixed
5.750%
1%
15 Year Fixed
5.375%
1%

10 Year Fixed

5.375%

1%

       
 Jumbo First Mortgage
Term
Fixed Rate
Origination Fee
  • Loan amounts exceeding $417,000
  • Owner occupied/non-investment property
  • Owner occupied up to 95% LTV (Non-owner occupied*)

30 Year Fixed

8.500%

1%

15 Year Fixed

7.125%

1%


Home Equity and Home Improvement

 Second Mortgage
Loan to Value
Term
Fixed Rate
  • $10,000 minimum loan amount
  • $500,000 maximum loan amount
  • There is a minimum $500 processing fee, subject to credit score and property type. An additional escrow fee may apply when an existing lien is paid.
80% Loan to Value
Owner Occupied
5 Year Fixed
6.250%
10 Year Fixed
6.500%
15 Year Fixed
7.250%
100% Loan to Value
Owner Occupied
5 Year Fixed
7.250%
10 Year Fixed
7.500%
15 Year Fixed
8.250%
70% Loan to Value
Investment Properties
5 Year Fixed
8.250%
10 Year Fixed
8.500%
15 Year Fixed
9.250%
       
 Home Equity Line of Credit
Line of Credit Type
Variable Rate

  • 10 year draw with 15 yr or 20 yr term
  • Rate cap of 5% over start rate
  • Free Checks distributed 25 per order
  • $50 Annual Fee waived the first year
  • No Draw Fee and No Early Closure Fee
  • Start rates are subject to credit history and loan to value
  • Payment calculated at 1.5% of outstanding balance
  • Interest rates are based on the highest commercial prime rate correctly published in the Wall Street Journal, Western Edition, on the last business day of the month.
  • There is a minimum $500 processing fee, subject to credit score and property type. An additional escrow fee may apply when an existing lien is paid.
Equity Advantage

Owner Occupied Up to
100% Total LTV

Non-Owner Up
to 70% Total LTV
5.50%
Start rate as low as prime
plus minimum of one
quarter percent
 
Equity Plus

Owner Occupied
up to 80% Total LTV

Non-Owner
up to 70% Total LTV
5.00%
Start rate as low as
prime plus zero
 
       

   HELOC Disclosure

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

 

 
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