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

• 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*

10 Year Fixed

5.375%

1%

• 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

• $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.
  

• 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.
  

   HELOC Disclosure

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