Rates as of:  September 2, 2010 

Apply online at Mortgages Online click here  (First Mortgage/ Refinance only)
Apply in person. Please email an Appointment Request click here or phone (209) 549-8500 or (877) 549-4567, option 8

Rates listed below are Valley First Credit Union's best rates.
Adjustable rates are also available.*  Rates, terms and conditions subject to change at any time
All loans are subject to credit score, loan-to-value, cash-out, impounds and property type
Best rate subject to cash-out, LTV and minimum FICO score of 700

Conventional Loans - Purchase/Refinance

• Financing up to $417,000
• Loan amounts below $60,000,special pricing
• Owner-occupied up to 95% LTV  for purchases*
• Non-owner occupied up to 75% LTV, rate must be quoted
• No cash-out on Non-Owner Occupied or Second Homes
• 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 at Mortgages Online only.
• Investment Property: $100,000 minimum
• Primary/second home: $50,000 minimum

10 Year Fixed

4.000%

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

5.750%

1%

15 Year Fixed

5.125%

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.