Mortgages
Fixed Rate Mortgages
Buy a home and lock in a fixed interest rate and payment amount for a 10, 15, 20 or 30-year period.More Rates
Fixed Rate Mortgages
Enjoy consistent payments for the life of your mortgage. A Campus Federal representative can help you determine whether a 10-year, 15-year, 20-year or 30-year term is right for you.
Please see our detailed Mortgage Rates Guide for mortgage rates and information.
Membership eligibility requirements apply. Rates are subject to change at any time. All rates are subject to credit approval. Additional fees may apply. APR= Annual percentage rate. Monthly payments do not include amounts for property taxes and insurance.
Fixed rate example: For example, a 5.95% APR equals an estimated $5.96 monthly payment for 360 months per $1,000.00 borrowed. APR will not increase after consummation of loan.
- Buy vs. Rent Calculator
- Mortgage Calculator
Fixed Rate Mortgages Rates
Adjustable Rate Mortgages (ARMs)
Adjustable rate mortgages offer low initial rates (sometimes 1.5%-2.5% APR less than a comparable fixed rate mortgage), and if you expect to move after a short time or are comfortable with the risk that your rate may increase, they can be a great option. Talk to a Campus Federal representative today to determine if an ARM is right for you.
Campus Federal offers:
- 7/1 Adjustable Rate Mortgage- Variable rate; however, interest rate is fixed for first seven years, after that it can increase or decrease annually, which will affect payment amount
- 5/1 Adjustable Rate Mortgage- Variable rate; however, interest rate is fixed for the first five years, after that it can increase or decrease annually, which will affect payment amount.
- Low minimum down payment with no mortgage insurance requirement
- Financing available for single family dwellings, condominiums, townhomes, and duplexes
- No prepayment penalty
- Loan can also be used to finance a primary residence, vacation home or a home for your college student
Please see our detailed Mortgage Rates Guide for mortgage rates and information.
Membership eligibility requirements apply. Rates are subject to change at any time. All rates are subject to credit approval. Additional fees may apply. APR= Annual percentage rate. Monthly payments do not include amounts for property taxes and insurance.
Adjustable rate example: For example, a 5.019% APR equals an estimated $4.85 monthly payment for the first 84 months per $1,000.00 borrowed. APR may be increased after consummation of loan.
- Buy vs. Rent Calculator
- Mortgage Calculator
Adjustable Rate Mortgages (ARMs) Rates
Refinancing
Housing costs are one of the largest expenses of most household budgets. With changing interest rates, you should periodically determine whether refinancing at current interest rates would save you money. Campus Federal can help you determine if refinancing is in your best interest.
To determine whether you should consider refinancing, compare the costs of obtaining a new mortgage with the savings you will enjoy with a reduced interest rate. In addition to an updated interest rate, you may also want to consider refinancing to a different type of mortgage, such as switching from an ARM or 5-year balloon to a 15-year or 30-year fixed rate mortgage.
Please see our detailed Mortgage Rates Guide for mortgage rates and information.
Membership eligibility requirements apply. Rates are subject to change at any time. All rates are subject to credit approval. Additional fees may apply. APR= Annual percentage rate. Monthly payments do not include amounts for property taxes and insurance.
- Mortgage Calculator
Refinancing Rates
Fixed Rate Mortgages
Enjoy consistent payments for the life of your mortgage. A Campus Federal representative can help you determine whether a 10-year, 15-year, 20-year or 30-year term is right for you.
Please see our detailed Mortgage Rates Guide for mortgage rates and information.
Membership eligibility requirements apply. Rates are subject to change at any time. All rates are subject to credit approval. Additional fees may apply. APR= Annual percentage rate. Monthly payments do not include amounts for property taxes and insurance.
Fixed rate example: For example, a 5.95% APR equals an estimated $5.96 monthly payment for 360 months per $1,000.00 borrowed. APR will not increase after consummation of loan.
- Buy vs. Rent Calculator
- Mortgage Calculator
Fixed Rate Mortgages Rates
Adjustable Rate Mortgages (ARMs)
Adjustable rate mortgages offer low initial rates (sometimes 1.5%-2.5% APR less than a comparable fixed rate mortgage), and if you expect to move after a short time or are comfortable with the risk that your rate may increase, they can be a great option. Talk to a Campus Federal representative today to determine if an ARM is right for you.
Campus Federal offers:
- 7/1 Adjustable Rate Mortgage- Variable rate; however, interest rate is fixed for first seven years, after that it can increase or decrease annually, which will affect payment amount
- 5/1 Adjustable Rate Mortgage- Variable rate; however, interest rate is fixed for the first five years, after that it can increase or decrease annually, which will affect payment amount.
- Low minimum down payment with no mortgage insurance requirement
- Financing available for single family dwellings, condominiums, townhomes, and duplexes
- No prepayment penalty
- Loan can also be used to finance a primary residence, vacation home or a home for your college student
Please see our detailed Mortgage Rates Guide for mortgage rates and information.
Membership eligibility requirements apply. Rates are subject to change at any time. All rates are subject to credit approval. Additional fees may apply. APR= Annual percentage rate. Monthly payments do not include amounts for property taxes and insurance.
Adjustable rate example: For example, a 5.019% APR equals an estimated $4.85 monthly payment for the first 84 months per $1,000.00 borrowed. APR may be increased after consummation of loan.
- Buy vs. Rent Calculator
- Mortgage Calculator
Adjustable Rate Mortgages (ARMs) Rates
Refinancing
Housing costs are one of the largest expenses of most household budgets. With changing interest rates, you should periodically determine whether refinancing at current interest rates would save you money. Campus Federal can help you determine if refinancing is in your best interest.
To determine whether you should consider refinancing, compare the costs of obtaining a new mortgage with the savings you will enjoy with a reduced interest rate. In addition to an updated interest rate, you may also want to consider refinancing to a different type of mortgage, such as switching from an ARM or 5-year balloon to a 15-year or 30-year fixed rate mortgage.
Please see our detailed Mortgage Rates Guide for mortgage rates and information.
Membership eligibility requirements apply. Rates are subject to change at any time. All rates are subject to credit approval. Additional fees may apply. APR= Annual percentage rate. Monthly payments do not include amounts for property taxes and insurance.
- Mortgage Calculator