Online Services
Login - Home Banking
Login - Web Bill Pay
Login - eStatements
Login - Visa EzCardInfo
Login - Mastercard              GoToMyCard
Mortgages Online
Reorder Checks
Verified by Visa

AD&D Insurance
Balance Financial Fitness
CO-OP ATM Locator
CU on Vacation
Free Annual Credit Report
MEMBERS Financial Services
 
AutoSMART - CUDL
CARFAX Vehicle History Report
Enterprise Car Sales
Kelly Blue Book Online
Roberts Auto Sales
 
Frequency
Adventure Savers

 

Real Estate Rate Schedule

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

 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

*Subject to change based on underwriting guidelines.

40 Year Fixed
5.25%
1%
30 Year Fixed
4.875%
1%
20 Year Fixed
4.75%
1%
15 Year Fixed
4.25%
1%

10 Year Fixed

4.375%

1%

       
 Jumbo First Mortgage
Term
Fixed Rate
Origination Fee
  • 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

 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

  • 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
Equity Advantage

80% Maximum CLTV Owner-Occupied

Non-Owner Not
Available
4.40%
Start rate as low as prime
minus minimum .10% 
percent
Floor Rate is 4.40%
Required credit score of 700 for primary wage earner
 
Equity Plus

Owner Occupied
up to 80% Total LTV

Non-Owner
up to 70% Total LTV
Subject to Approval
6.00%
Start rate as low as
Prime Rate plus 1.5%Percent
Floor Rate is 6.00%
 
       

   HELOC Disclosure

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

 

 
About Us
 
Calculators
 
Convenient Services
 
Discount Tickets and Coupons
 
Financial Management
 
Identity Theft and Fraud
 
Scholarships
 
Community Links
 
Employment
 
Previous Articles
 
Site Map
 
Privacy Statement
 
Website Feedback
 
Schedule of Fees
 
Home