You’ll receive a $1,000 closing cost credit when you finance a conventional mortgage with YCU.
We'll not only help you find the best mortgage rate, you'll lock it in for the first three months.
You won't have to empty your wallet to buy a home. Make your purchase with just 5% down.
Your Credit Union offers a variety of mortgage loans, including 10, 15, 20, and 30-Year terms.
Conventional mortgage loans are available for Primary, Secondary and Condo Properties.
Avoid higher monthly payments for a conventional mortgage when you put 20% or more down.
Your local Credit Union offers customized service from a dedicated Mortgage Consultant.
| Term | Rates as low as | Points | APR* | Payment* |
|---|---|---|---|---|
| 30 Year | 7.255% | 0.244% | 7.054% | $1,330.60 |
| 20 Year | 6.750% | 0.312% | 6.828% | $1,520.73 |
| 15 Year | 6.625% | 0.039% | 6.679% | $1,755.99 |
| 10 Year | 6.375% | 0.378% | 6.526% | $2,258.26 |
*APR = Annual Percentage Rate. The payment is based on a loan amount of $200,000 and consists of principal and interest. The payment does not include taxes and insurance premiums. The actual payment amount will be greater. | ||||
| Term | Rates as low as | Points | APR* | Payment* |
|---|---|---|---|---|
| 5-Year ARM | 5.750% | 0.378% | 7.201% | $1,167.15 |
| 7-Year ARM | 6.000% | 0.378% | 7.068% | $1,199.10 |
| ||||
| Term | Rates as low as | Points | APR* | Payment* |
|---|---|---|---|---|
| 30 Year Fixed | 7.250% | 0.000% | 8.025% | $1,479.50 |
| 15 Year Fixed | 7.125% | 0.000% | 7.884% | $1,908.88 |
*APR = Annual Percentage Rate. The payment is based on a loan amount of $200,000 and consists of principal, interest and mortgage insurance premiums. The payment does not include taxes and other insurance premiums. The actual payment amount will be greater. | ||||
Are you a first time home buyer? Learn everything you need to know about the process and be confident in your decision.
A Mortgage specialist will assist you every step of the way.