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Current Interest Rates *, **
FIXED CONFORMING
PROGRAM RATES APR Pmt Per $1,000
30 YR 4.625%

4.706%

$5.14
15 YR 4.000% 4.139% $7.40
FIXED JUMBO
PROGRAM RATES APR Pmt Per
$1,000
30 YR 5.000% 5.066% $5.37
ARM Click any ARM product for more information.
PROGRAM RATES APR Pmt Per
$1,000
10/1 4.750% 5.088% $5.22
7/1 3.874% 4.761% $4.70
5/1 3.625% 4.852% $4.56
3/1 3.500% 5.060% $4.49
 
 
Current Interest Rates*, **
HOME EQUITY LINE OF CREDIT1
PROGRAM RATES APR Pmt Per
$1,000
20 YR 5.25% 5.25% $6.74
HOME EQUITY LOAN2
PROGRAM RATES APR Pmt Per
$1,000
10 YR 4.99% 4.99% $10.60
15 YR 5.24% 5.24% $8.03
20 YR 5.74% 5.74% $7.02
 
*Up to 80% Total Loan To Value.
Other rates and terms available.
Pmt Per $1,000 does not include taxes
and insurance if applicable.
The actual obligation will be
greater than payment shown.
 
Current Interest Rates *, **
FIXED CONFORMING
PROGRAM RATES APR Pmt Per $1,000
30 YR 4.625%

4.706%

$5.14
15 YR 4.000% 4.139% $7.40
FIXED JUMBO
PROGRAM RATES APR Pmt Per
$1,000
30 YR 5.000% 5.066% $5.37
ARM Click any ARM product for more information.
PROGRAM RATES APR Pmt Per
$1,000
10/1 4.750% 5.088% $5.22
7/1 3.874% 4.761% $4.70
5/1 3.625% 4.852% $4.56
3/1 3.500% 5.060% $4.49
 
 
Current Interest Rates*, **
HOME EQUITY LINE OF CREDIT1
PROGRAM RATES APR Pmt Per
$1,000
20 YR 5.25% 5.25% $6.74
HOME EQUITY LOAN2
PROGRAM RATES APR Pmt Per
$1,000
10 YR 4.99% 4.99% $10.60
15 YR 5.24% 5.24% $8.03
20 YR 5.74% 5.74% $7.02
 
*Up to 80% Total Loan To Value.
Other rates and terms available.
Pmt Per $1,000 does not include taxes
and insurance if applicable.
The actual obligation will be
greater than payment shown.

Credit

How to Improve Your Credit
If you have had credit problems, be prepared to discuss them honestly with a mortgage professional.

Your Credit Report
Understand how a mortgage company views your credit information.

Credit Scoring and How It Works
Credit scoring, also known as FICO scoring, is a statistical method of assessing the credit risk of a loan applicant.

Credit Profile
A credit profile details your credit history as it has been reported to the credit reporting agencies by lenders who have extended credit to you.

Credit Reporting Agencies
This article includes address, phone and web site information for each credit repository.

Credit Grade
Mortgage companies often grade your loan based on certain credit related items such as payment history, amount of debt payments, bankruptcies, equity position and your credit score.

Other Credit Factors
Mortgage companies look at other information besides your credit score and credit profile before deciding whether to approve your mortgage.

Know the Score About Your Credit Rating
Learn about the importance of keeping tabs on your credit rating.

Credit Inquiries
The Fair Credit Reporting Act (FCRA) outlines specifically who can see your credit profile.

How to Fix Credit Report Errors
You have the right, under the Fair Credit Reporting Act, to dispute the completeness and accuracy of information in your credit file.

Steps to Take After Being Denied a Loan
It's never fun to be turned down for a loan, but before you think you won't be able to get credit anywhere, there are some steps you can take.

Establish a Credit History
What to do to increase your chances of being approved for a mortgage.

How to Prevent Identity Theft
According to one non-profit debt counseling agency, some 40,000 consumers each year are victims of this crime, which is a serious type of fraud.

Improve Your Bad Credit
If you had a problem that's been corrected, and your payments have been on time for a year or more, your credit may be considered satisfactory.

mortgages
MORTGAGE OPTIONS FROM JEANNE D'ARC. THAT'S SMART.
loans
mortgages
MORTGAGE OPTIONS FROM JEANNE D'ARC. THAT'S SMART.
loans

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 December 12, 2018 are subject to change at any time. Conforming loan sizes up to $453,100 on one unit properties. Conforming rates and APR based on $453,100 loan amount with FICO credit scores of 780 and loan to value no greater than 75%. Jumbo rates and APR based on a $630,000 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 November 1st, 2018 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 December 12, 2018 are subject to change at any time. Conforming loan sizes up to $453,100 on one unit properties. Conforming rates and APR based on $453,100 loan amount with FICO credit scores of 780 and loan to value no greater than 75%. Jumbo rates and APR based on a $630,000 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 November 1st, 2018 and are subject to change without notice. $5.00 Membership Account Required.