Mortgage_Loans - Hanscom Federal Credit Union

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Mortgages
We have a wide variety of mortgage options to fit your home borrowing needs.

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Mortgage loans are offered in most continental U.S. states. Mortgages are not offered in Hawaii, Alaska or Texas. For specific information not listed on our web site including VA loans, please call us at 800-656-4328 ext 2040. The HMDA data about our residential mortgage lending are available for review.


Mortgage Rates - FixedMay 1, 2013
Conventional 30 Year Fixed Rate	Points	Rate	APR¹	Payment per $1,000²
	2	3.875%	4.08%	$4.70
	1	4.000%	4.12%	$4.77
	0	4.125%	4.16%	$4.85
No points/No closing costs	0	4.625%	4.63%	$5.14
Conventional 20 Year Fixed Rate
	2	3.625%	4.03%	$5.86
	1	3.750%	4.04%	$5.93
	0	3.875%	4.05%	$5.99
No points/No closing costs	0	4.375%	4.50%	$6.26
Conventional 15 Year Fixed Rate
	2	3.125%	3.48%	$6.97
	1	3.250%	3.46%	$7.03
	0	3.375%	3.44%	$7.09
No points/No closing costs	0	3.875%	3.88%	$7.33
Conventional 10 Year Fixed Rate
	2	2.750%	3.27%	$9.54
	1	2.875%	3.18%	$9.60
	0	3.000%	3.09%	$9.66
VA Financing 30 Year Fixed Rate
	0	4.125%	4.34%	$4.85
¹APR=Annual Percentage Rate. Mortgages are available for 1-4 family, owner occupied properties. Mortgages are not offered in Hawaii, Alaska or Texas. Rates and points shown are for members with the best credit profile. Other rates and points are available, based on your credit history and appraisal. We also offer financing for Second Homes, Investment Properties, and Jumbo Mortgages. Bi-weekly payments are available. Our online mortgage center can help you make the right decisions. ²Repayment amounts will vary depending on the term. This example is estimated for the maximum term.


Mortgage Rates - AdjustableMay 1, 2013
	Pts	Rate	APR²	Fixed	Initial / Annual / Life Rate Caps¹	Margin / Index	Payment per $1,000³
ARM 5/1	1	2.875%	2.91%	5 Years	2%/2%/6%	2.50%/.39%	$4.15
	0	2.990%	2.87%	5 Years	2%/2%/6%	2.50%/.39%	$4.22
ARM 3/1	1	2.750%	2.86%	3 Years	2%/2%/6%	2.50%/.39%	$4.08
	0	3.000%	2.84%	3 Years	2%/2%/6%	2.50%/.39%	$4.22
ARM 1/1	1	3.000%	2.88%	1 Year	2%/2%/6%	2.50%/.39%	$4.22
	0	3.500%	2.84%	1 Year	2%/2%/6%	2.50%/.39%	$4.49
First Time Homebuyer
HLPR 3/1 ARM		2.375%	2.90%	3 Years	1%/1%/5%	2.75%/.39%	$3.89
HLPR 5/1 ARM		2.875%	2.99%	5 Years	1%/1%/5%	2.75%/.39%	$4.15
HLPR 7/1 ARM		3.375%	3.21%	7 Years	1%/1%/5%	2.75%/.39%	$4.42

¹Rate change caps are the maximum amount interest rates can change (up or down) on ARM loans. The first number is the maximum amount they can change on the first adjustment date. The second number is the maximum amount they can change on each subsequent year on the anniversary date of the first adjustment date. The last number is the maximum total change over the life of the loan. ²APR=Annual Percentage Rate. Mortgages are available for 1-4 family, owner occupied properties. Mortgages are not offered in Hawaii, Alaska or Texas. Rates and points shown are for members with the best credit profile. Other rates and points are available, based on your credit history and appraisal. We also offer financing for Second Homes, Investment Properties, and Jumbo Mortgages. Bi-weekly payments are available. Our online mortgage center can help you make the right decisions. ³Repayment amounts will vary depending on the term. This example is estimated for the maximum term.

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