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ARM Loans

Term /
Property
Months Points Rates APR** Initial/Annual/
Lifetime Rate
Caps
Margin/Index Payment Per
$1,000^
10/1 ARM First 120
Next 240
0% 4.500%
9.500%
4.873% 5% / 2% / 5% 2.75% / 2.56% $5.07
    $7.47
7/1 ARM First 84
Next 276
0% 3.874%
5.874%
4.686% 2% / 2% / 5% 2.75% / 2.56% $4.70
$5.67
5/1 ARM First 60
Next 300
0% 3.625%
5.625%
4.762% 2% / 2% / 5% 2.75% / 2.56% $4.56
$5.59
3/1 ARM First 36
Next 324
0% 3.500%
5.500%
4.952% 2% / 2% / 6% 2.75% / 2.56% $4.49
$5.58

 

^Estimated Monthly Payment per $1000 – Loan principal and interest. If an escrow account for taxes and insurance is required, total monthly payment will be higher. The stated amount per $1,000 is based on the fixed rate period and the payment will likely increase after that period of time.

*Rates are effective February 15, 2019 and are subject to change at any time, and may increase. Rates apply to loans up to $484,350 (also known as "conforming mortgages").

**APR – Annual Percentage Rate. Please note that APR may increase after consummation.

Conforming rates and APR based on $484,350 loan amount with FICO credit scores of 780 and loan to value no greater than 75%.

Rate Change Caps – This is the maximum amount interest rates on Adjustable Rate Loans can change up or down. The first number is the amount they can change up or down on the first adjustment date. The second number is the amount they can change each subsequent year on the anniversary date. The third number is the maximum total change, up or down, over the life of the loan. Since the index in the future is unknown, the first adjustment payments displayed are based on the current index plus the margin (fully indexed rate) as of the effective date above.

 

Term /
Property
Months Points Rates APR** Initial/Annual/
Lifetime Rate
Caps
Margin/Index Payment Per
$1,000^
10/1 ARM First 120
Next 240
0% 4.500%
9.500%
4.873% 5% / 2% / 5% 2.75% / 2.56% $5.07
    $7.47
7/1 ARM First 84
Next 276
0% 3.874%
5.874%
4.686% 2% / 2% / 5% 2.75% / 2.56% $4.70
$5.67
5/1 ARM First 60
Next 300
0% 3.625%
5.625%
4.762% 2% / 2% / 5% 2.75% / 2.56% $4.56
$5.59
3/1 ARM First 36
Next 324
0% 3.500%
5.500%
4.952% 2% / 2% / 6% 2.75% / 2.56% $4.49
$5.58

 

^Estimated Monthly Payment per $1000 – Loan principal and interest. If an escrow account for taxes and insurance is required, total monthly payment will be higher. The stated amount per $1,000 is based on the fixed rate period and the payment will likely increase after that period of time.

*Rates are effective February 15, 2019 and are subject to change at any time, and may increase. Rates apply to loans up to $484,350 (also known as "conforming mortgages").

**APR – Annual Percentage Rate. Please note that APR may increase after consummation.

Conforming rates and APR based on $484,350 loan amount with FICO credit scores of 780 and loan to value no greater than 75%.

Rate Change Caps – This is the maximum amount interest rates on Adjustable Rate Loans can change up or down. The first number is the amount they can change up or down on the first adjustment date. The second number is the amount they can change each subsequent year on the anniversary date. The third number is the maximum total change, up or down, over the life of the loan. Since the index in the future is unknown, the first adjustment payments displayed are based on the current index plus the margin (fully indexed rate) as of the effective date above.

 

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NMLS#: 406108 | Federally insured by NCUA up to $250,000. | Shares and Deposits in excess of NCUA limits are fully insured by MSIC. | ehl Equal Housing Opportunity

Copyright © 2017 Jeanne D’Arc Credit Union.  All rights reserved. Jeanne D’Arc©, MoneyStrong© and the phrase. We Share a Common Thread©, are federally register trademarks owned by Jeanne D’Arc Credit Union, and may not be used, displayed or reproduced by any other party without the express written permission of Jeanne D’Arc Credit Union.

** Rates are effective February 15, 2019 and are subject to change at any time. Conforming loan sizes up to $484,350.00 on one unit properties. Conforming rates and APR based on $484,350.00 loan amount with FICO credit scores of 780 and loan to value no greater than 75%. Jumbo rates and APR based on a $484,351.00 loan amount with FICO credit scores of 780 and loan to value no greater than 75%. For adjustable rate mortgages, rate may increase after consummation.

1 APR = Annual Percentage Rate. For all Home Equity Line of Credit terms see Important Terms of our HELOC link above. $5.00 Membership Account Required. Up to 80% loan to value. Other rates and terms available. Home Equity Lines of Credit are only available on Primary Residence and Second Homes. Home Equity Lines of Credit are only available in the states of Massachusetts and New Hampshire.

APR = Annual Percentage Rate. Other rates and terms up to 20 years available. Borrow up to 95% (75% for Second Homes) of your home's current value less any secure debt secured by your home with a minimum of $10,000 and a maximum of $250,000. Home Equity Loans are only available on Primary Residence and Second Homes. Home Equity Loans are only available in the states of Massachusetts and New Hampshire. Rates as of January 09, 2019 and are subject to change without notice. $5.00 Membership Account Required.

 

NMLS#: 406108 | Federally insured by NCUA up to $250,000. | Shares and Deposits in excess of NCUA limits are fully insured by MSIC. | ehl Equal Housing Opportunity

Copyright © 2017 Jeanne D’Arc Credit Union.  All rights reserved. Jeanne D’Arc©, MoneyStrong© and the phrase. We Share a Common Thread©, are federally register trademarks owned by Jeanne D’Arc Credit Union, and may not be used, displayed or reproduced by any other party without the express written permission of Jeanne D’Arc Credit Union.

** Rates are effective February 15, 2019 and are subject to change at any time. Conforming loan sizes up to $484,350.00 on one unit properties. Conforming rates and APR based on $484,350.00 loan amount with FICO credit scores of 780 and loan to value no greater than 75%. Jumbo rates and APR based on a $484,351.00 loan amount with FICO credit scores of 780 and loan to value no greater than 75%. For adjustable rate mortgages, rate may increase after consummation.

1 APR = Annual Percentage Rate. For all Home Equity Line of Credit terms see Important Terms of our HELOC link above. $5.00 Membership Account Required. Up to 80% loan to value. Other rates and terms available. Home Equity Lines of Credit are only available on Primary Residence and Second Homes. Home Equity Lines of Credit are only available in the states of Massachusetts and New Hampshire.

APR = Annual Percentage Rate. Other rates and terms up to 20 years available. Borrow up to 95% (75% for Second Homes) of your home's current value less any secure debt secured by your home with a minimum of $10,000 and a maximum of $250,000. Home Equity Loans are only available on Primary Residence and Second Homes. Home Equity Loans are only available in the states of Massachusetts and New Hampshire. Rates as of January 09, 2019 and are subject to change without notice. $5.00 Membership Account Required.