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Mortgage Rates Guide

Campus Federal offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide you with products that will most effectively meet your needs.

APR (Annual Percentage Rate) calculations are based on certain assumptions relating to closing costs and fees. 

 
30 YR CONVENTIONAL CONFORMING
30 YR CONVENTIONAL CONFORMING
15 YR CONVENTIONAL CONFORMING
15 YR CONVENTIONAL CONFORMING
7 YEAR ADJUSTABLE RATE MORTGAGE--80% LTV
7 YEAR ADJUSTABLE RATE MORTGAGE--90% LTV
5 YEAR ADJUSTABLE RATE MORTAGE--80% LTV
5 YEAR ADJUSTABLE RATE MORTGAGE--90% LTV
CONSTRUCTION
30 YEAR FHA
30 YEAR RURAL DEVELOPMENT
 
30 YR CONVENTIONAL CONFORMING
Term: 30 years   Maximum Amount: $417,000
Rates APR Points
3.875% 4.127% 1%
 
The rates quoted for this product are for loans which Campus Federal typically sells to another investor. Minimum down payment requirement on this product is 5%. Rates are base rates only and can be impacted by a variety of loan characteristics, including occupancy, loan amount, loan to value, credit score, loan purpose, and number of units. RATES QUOTED ARE NOT LOCKED IN AND ARE SUBJECT TO CHANGE.


30 YR CONVENTIONAL CONFORMING
Term: 30 years   Maximum Amount: $417,000
Rates APR Points
4.125% 4.294% 0%
 
The rates quoted for this product are for loans which Campus Federal typically sells to another investor. Minimum down payment requirement on this product is 5%. IMPORTANT NOTE: Rates are base rates only and can be impacted by a variety of loan characteristics, including occupancy, loan amount, loan to value, credit score, loan purpose, and number of units. RATES QUOTED ARE NOT LOCKED IN AND ARE SUBJECT TO CHANGE.


15 YR CONVENTIONAL CONFORMING
Term: 15 years   Maximum Amount: $500,000
Rates APR Points
3.125% 3.567% 1%
 
The rates quoted for this product are for loans which Campus Federal typically sells to another investor. Minimum down payment requirement on this product is 5%. IMPORTANT NOTE: Rates are base rates only and can be impacted by a variety of loan characteristics, including occupancy, loan amount, loan to value, credit score, loan purpose, and number of units. RATES QUOTED ARE NOT LOCKED IN AND ARE SUBJECT TO CHANGE.


15 YR CONVENTIONAL CONFORMING
Term: 15 years   Maximum Amount: $500,000
Rates APR Points
3.375% 3.669% 0%
 
The rate quoted for this product are for loans which Campus Federal; may either sell to another investor, or keep on it's books. If the loan is kept by the credit union, the maximum loan to value is 80%. The credit union does not escrow for taxes and insurance, so you would be responsible for paying those yourself. If the loan is sold, the minimum down payment requirement is 5%. NOTE:  Rates are base rates only and can be impacted by a variety of loan characteristics, including occupancy, loan amount, loan to value, credit score, loan purpose, and number of units. RATES QUOTED ARE NOT LOCKED IN AND ARE SUBJECT TO CHANGE.


7 YEAR ADJUSTABLE RATE MORTGAGE--80% LTV
The rate stays the same for 7 years before it begins to adjust annually; This is a loan product that Campus Federal will keep on its books. The rates quoted are not locked in and are subject to change.

Term: 30 years   Maximum Amount: $500,000
Rates APR Points
3.625% 3.672% 1%


7 YEAR ADJUSTABLE RATE MORTGAGE--90% LTV
The rate stays the same for 7 years before it begins to adjust annually. This is a loan product that Campus Federal will keep on its books. The rates quoted are not locked in and are subject to change.

Term: 30 years   Maximum Amount: $500,000
Rates APR Points
3.875% 3.793% 1%


5 YEAR ADJUSTABLE RATE MORTAGE--80% LTV
The rate stays the same for 5 Years before it begins to adjust annually. This is a loan product that Campus Federal will keep on its books. The rates quoted are not locked in and are subject to change.

Term: 30 years   Maximum Amount: $500,000
Rates APR Points
3.375% 3.604% 1%


5 YEAR ADJUSTABLE RATE MORTGAGE--90% LTV
The rate stays the same for 5 years before it begins to adjust annually. This is a loan product that Campus Federal will keep on its books.  The rates quoted are not locked in and are subject to change.

Term: 30 years   Maximum Amount: $500,000
Rates APR Points
3.625% 3.759% 1%


CONSTRUCTION

This product is a loan to finance the construction of a home on your land.  It is an interest only loan for a term of 12 months.  Interest is due on only the amount drawn on the loan.  Typically we will pay the entire loan amount in four or five construction draws.  The maximum loan amount is determined by the lesser of 90% of the hard cost of construction or 80% of appraised value of the subject to completion value of the property.

Term: 12 months   Maximum Amount: $500,000
Rates APR Points
5.5% 11.235% 1%
 

Construction loans can only be made if there is an outlet for the permanent financing. 

 
30 YEAR FHA
Term: 30 years   Maximum Amount: $417,000
Rates APR Points
3.5% 3.747% 1%
 
The rates quoted for this product are for loans which Campus Federal typically sells to another investor. Although we do keep some products in house and service them ourselves, the rates on these products are typically higher than are shown here. IMPORTANT NOTE: Rates are base rates only and can be impacted by a variety of loan characteristics, including occupancy, loan amount, loan to value, credit score, loan purpose, and number of units. RATES QUOTED ARE NOT LOCKED IN AND ARE SUBJECT TO CHANGE.


30 YEAR RURAL DEVELOPMENT
Term: 30 years   Maximum Amount: $417,000
Rates APR Points
3.625% 3.874% 1%
 
The rates quoted for this product are for loans which Campus Federal typically sells to another investor. Although we do keep some products in house and service them ourselves, the rates on these products are typically higher than are shown here. IMPORTANT NOTE: Rates are base rates only and can be impacted by a variety of loan characteristics, including occupancy, loan amount, loan to value, credit score, loan purpose, and number of units. RATES QUOTED ARE NOT LOCKED IN AND ARE SUBJECT TO CHANGE.




Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $8,340. Jumbo Loans (whose maximum loan amount exceed $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.