Rates as of: November 6, 2009 at 9:15 a.m.To apply, please contact the Real Estate Department for an appointment:

• Click here to email an Appointment Request  or Apply online at  Mortgages Online
• 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

*Subject to change based on underwriting guidelines.

10 Year Fixed

4.375%

1%

• Loan amounts exceeding $417,000
• Owner occupied/Non-Owner property
• Owner occupied up to 80% LTV (Non-owner occupied*)
• Best rates subject to minimum credit score of 680 and LTV
  

30 Year Fixed

6.250%

1%

15 Year Fixed

5.375%

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.
  

• 10 year draw with 25 yr term
• Rate cap of 5% over start rate
• Free Checks distributed ,25 per order
• $75 Annual Fee waived w/$25,000 annual average balance on Line of Credit 
• No Draw Fee 
• Start rates are subject to credit history and loan to value
• $500 Origination Fee is Deferred for 36 months
• 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.
• Fees are  subject to credit score and property type. An additional escrow fee may apply when an existing lien is paid.
• Minimum Loan Amount is $10,000
  

   HELOC Disclosure

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