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RatesHome Loans/MortgagesYour home is your most important investment. Invest in a home loan from a lender you know and trust. The rates listed below were effective on the date listed and are subject to change daily. They represent a small sample of the programs available through NH Federal Credit Union. For a more complete daily listing, click here or contact us directly at 224-7731, ext. 159.
Purchases & RefinancesRates effective March 10, 2010| Account Type | Term | Rate | Points | APR | Monthly Payment | Total Finance Charge | Total Payments | | | | 10 yr Fixed Rate | 120 monthly payments | 4.990% | None | 5.130% | $1,060.18 | $27,278.47 | $127,278.47 |  |  | | | 15 yr Fixed Rate | 180 monthly payments | 5.250% | None | 5.349% | $803.88 | $44,697.82 | $144,697.82 | | | | | 20 yr Fixed Rate | 240 monthly payments | 5.375% | None | 5.454% | $680.85 | $63,402.57 | $163,402.57 | | | | | 30 yr Fixed Rate | 360 monthly payments | 5.500% | None | 5.559% | $567.79 | $104,403.22 | $204,403.22 | | | * Annual Percentage Rate (APR) and finance charges are the best available rates for a minimum loan amount of $100,000 or maximum loan amount of $417,000 with 20% down. Payments do not include amounts for taxes and insurance premiums. If applicable, the actual payment obligation will be greater. Additional programs and pricing tiers are available. Please contact us for specific terms. Rates are based on a 30 day rate lock. All mortgage loans may be subject to risk-based pricing adjustments called "Loan-Level Pricing Adjustments" from Fannie Mae. All loans are priced individually. If the mortgage application is withdrawn, denied or approved and does not close, fees will not be refunded. Fees include: $450 origination charge, $30 credit report, $11 life of loan flood certification fee, $35 doc prep fee, $115 underwriting fee.
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Jumbo MortgagesRates effective March 10, 2010
Mortgages greater than $417,001.00| Account Type | Term | Rate | Points | APR | Minimum Balance | Monthly Payment | Total Finance Charge | Total Payments | | | | 15 yr Fixed Rate | 180 monthly payments | 6.250% | None | 6.352% | $417,001.00 | $3,575.46 | $226,582.00 | $643,583.00 | | | | | 30 yr Fixed Rate | 360 monthly payments | 6.500% | None | 6.562% | $417,001.00 | $2,635.73 | $531,862.00 | $948,863.00 | | | * Annual Percentage Rate (APR) and finance charges are the best available rates for a loan amount of $417,001 or more, with 30% down. Payments do not include amounts for taxes and insurance premiums. If applicable, the actual payment obligation will be greater. Additional programs and pricing tiers are available. Please contact us for specific terms. All mortgage loans may be subject to risk-based pricing adjustments called "Loan-Level Pricing Adjustments" from Fannie Mae. All loans are priced individually. If the mortgage application is withdrawn, denied or approved and does not close, fees will not be refunded. Fees include: $450 origination charge, $30 credit report, $11 life of loan flood certification fee, $35 doc prep fee, $115 underwriting fee.
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