Rates are subject to change at any time and are not guaranteed. Other rate and point options may be available. Loan Example: $480,000, 6.125% (6.146% APR); 360 payments of $2916.53 principal and interest. Based on a Sales price of $600,000 with 20% down. Adjustable rate loan has caps of 2 & 5 with a margin of 2.75%. Please call the Mortgage Department at 757-886-3395 for details.
1st Advantage FCU - Rates - Real Estate Second Mortgages
Real Estate Second Mortgages
Effective Date: 04/21/09
Second Mortgages
Interest Rate
Origination Fee/Discount Points
APR as low as
Maximum Loan Amount
5 Year
6.000%*
0/0
7.213%
$200,000
10 Year
8.000%*
0/0
8.117%
$200,000
15 Year
9.000%*
0/0
9.087%
$200,000
30 Year Adjustable (Purchase or Refinance)
6.250%*
.5/0
6.324%
$200,000
Rates are subject to change at any time and are not guaranteed. Other rate and point options may be available. *Rate and terms will vary depending upon loan to value, loan term and credit qualifications. Listed rate assumes loan to value < 80% with great credit. Loan Example: $30,000 at 7.75% (7.995% APR); 120 monthly payments of $360.03. Please call the Mortgage Department at 757-886-3395 for details.
1st Advantage FCU - Rates - Real Estate Home Equity Line of Credit
Real Estate Home Equity Line of Credit
Effective Date: 04/21/09
Home Equity Line of Credit
Interest Rate
Origination Fee/Discount Points
APR as low as
Maximum Loan Amount
20 Year Amortization with a 10 year draw period
As Low as Prime Rate plus 1.00%
0/0
4.25% variable
$200,000
Rates are subject to change at any time and are not guaranteed. Other rate and point options may be available. Loan Example: $30,000, 7.00% (7.148% APR); 240 monthly payments of approximately $233 each. Please call the Mortgage Department at 757-886-3395 for details.
* Rate and terms will vary depending upon loan-to-value, loan amount, loan term, and credit qualifications. Non-owner occupied properties are not eligible for promotional rates. Reasonably, closing costs may range from $300 - $1000, but may vary. The maximum annual percentage rate that may be imposed is 18% APR.
1st Advantage FCU - Rates - Real Estate Construction Loan Rates
Real Estate Construction Loans
Effective Date: 04/21/09
Construction Loans
Interest Rate
Origination Fee/Discount Points
APR
LTV
Maximum Loan Amount
Up to 12 Month Term
7.000%
1/0
9.448%
80%
determined by permanent loan
Rates are subject to change at any time and are not guaranteed. Other rate and point options may be available. Loan Example: $240,000, 7.00% (9.448% APR); 12 interest only payments of $1400 based on full draw amount. Based on a Sales price of 300,000 with 20% down. Please call the Mortgage Department at 757-886-3395 for details.
1st Advantage FCU - Rates - Real Estate Lot
Real Estate LOT Loans
Effective Date: 04/21/09
Real
Estate LOT Loans
Interest Rate
Origination Fee/Discount Points
APR as low as
Maximum Loan Amount
1st Mortgage - 5/15 Balloon Lot Loan
7.000%
1/0
7.359%
$125,000
Rates are subject to change at any time and are not guaranteed. Other rate and point options may be available. Loan Example: $100,000, 7.00% (7.359% APR); 60 monthly payments of $898.83 principal & interest with a balloon payment of $78,311.50 after five years. Based on a Sales price of $125,000 with 20% down. Please call the Mortgage Department at 757-886-3395 for details.
1st Advantage FCU - Rates - Real Estate VA and FHA Loans
Real Estate VA and FHA Loans
Effective Date: 04/21/09
VA and FHA Loans
Interest Rate
Origination Fee/Discount Points
APR as low as
15 Year
4.625%
1/0
5.219%
30 Year
5.000%
1/0
5.651%
Rates are subject to change at any time and are not guaranteed. Other rate and point options may be available. VA Loan Example: $200,000, 7.00% (7.237% APR); 360 payments of $1330.60 principal and interest. Based on a Sales price of $200,000 with 0% down, 1st time Veteran use. Please call the Mortgage Department at 757-886-3395 for details.
1st Advantage FCU - Rates - Real Estate Fixed Loans
Real Estate Fixed Loans
Effective Date: 04/21/09
Fixed Rates
Interest Rate
Origination Fee/Discount Points
APR
LTV
Maximum Loan Amount
15 Year
4.625%
0/0
4.689%
80%
$417,000
20 Year
5.000%
.25/0
5.081%
80%
$417,000
30 Year
5.000%
.25/0
5.163%
80%
$417,000
40 Year
Contact for Rates
80%
$417,000
Rates are subject to change at any time and are not guaranteed. Other rate and point options may be available. Loan Example: $160,000, 7.00% (7.024% APR); 360 payments of $1064.48 principal & interest. Based on Sales price of $200,000 with 20% down. Please call the Mortgage Department at 757-886-3395 for details.
1st Advantage FCU - Rates - Real Estate Adjustable Loans
Real Estate Adjustable Loans
Effective Date: 04/21/09
Adjustable Rates
Interest Rate
Origination Fee/Discount Points
APR
CAPS
LTV
Maximum Loan Amount
5/3 Reduced Rate ARM - 30 Year
4.000%
0/0
4.038%
2/5
80%
$625,000
5/1 ARM
5.500%
0/0
5.922%
2/5
80%
$417,000
VA 3/1 ARM
call for quotes
FHA 1/1 ARM
call for quotes
FHA 3/1 ARM
call for quotes
Rates are subject to change at any time and are not guaranteed. Other rate and point options, and higher loan to values may be available. Loan Example: $160,000, 7.00% (7.024% APR); 360 payments of $1064.48 principal & interest. Based on Sales price of $200,000 with 20% down. Please call the Mortgage Department at 757-886-3395 for details.
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Federal Trade Commission, Washington, D.C. Regional Office, Room 810, Bicentennial Building, 600 E. Street, N.W., Washington, D.C. 20580.
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government
by the NCUA
(National Credit Union Administration), a U.S. Government Agency
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