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Real Estate Rate Schedule

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

 First Mortgage
Term
Fixed Rate
Origination Fee
  • 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.

40 Year Fixed
5.250%
1%
30 Year Fixed
4.750%
1%
20 Year Fixed
4.625%
1%
15 Year Fixed
4.125%
1%

10 Year Fixed

4.250%

1%

       
 Jumbo First Mortgage
Term
Fixed Rate
Origination Fee
  • 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

 Second Mortgage
Loan to Value
Term
Fixed Rate
  • $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.
80% Loan to Value
Owner Occupied
5 Year Fixed
6.500%
10 Year Fixed
6.750%
15 Year Fixed
7.500%
70% Loan to Value
Investment Properties*
LOANS APPROVED ON CASE-TO-CASE BASIS
5 Year Fixed
8.500%
10 Year Fixed
8.750%
15 Year Fixed
9.500%
       
 Home Equity Line of Credit
Line of Credit Type
Variable Rate

  • Not available
 
 
 
 
 
 
       

   HELOC Disclosure

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

 

 
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