Mortgage Rates

as of February 3, 2012

- Various terms are available for loan-to-value (LTV) up to 95%.
- Rates and APRs based on an owner-occupied, single family home, a loan amount of $417,000, a maximum LTV of 80%, a credit score above 680, 1.250 points paid and approximate pre-paid finance charges of $1172.
- For non-owner-occupied property, add 1.000% to interest rate and add 0.500 to points. Not all products are available for non-owner-occupied properties.

- Rates and APRs based on an owner-occupied, single family home, a loan amount of $598,000, a maximum LTV of 80%, a credit score above 680, 1.250 points paid and approximate pre-paid finance charges of $1172.

- Rates and APRs based on an owner-occupied, single family home, a loan amount of $417,000, a maximum LTV of 80%, a credit score above 680, zero points paid and approximate pre-paid finance charges of $1172.
- For non-owner-occupied property, add 1.000% to interest rate and add 0.500 to points.

- FRESH START rollover rate and APR based on an owner-occupied, single family home or condominium, a loan amount of $417,000, a maximum LTV of 75%, credit score above 620, 1.000 point paid and approximate pre-paid finance charges of $1,172. 0.25% rate reduction for automatic payment from a CBC checking account.

- Rates and APRs based on an owner-occupied, single family home, a loan amount of $650,000, a maximum LTV of 80%, a credit score above 680, 0.250 points paid and approximate pre-paid finance charges of $1172.

- Rates and APRs based on an owner-occupied, single family home, a loan amount of $4,000,000, a maximum LTV of 80%, a credit score above 680, 0.500 points paid and approximate pre-paid finance charges of $1172.

- Rates and APRs based on an owner-occupied, single family home, a loan amount of $417,000, a maximum LTV of 80%, a credit score above 680, 1.250 points paid and approximate pre-paid finance charges of $1172.

- Rates and APRs based on an owner-occupied, single family home, a loan amount of $50,000, a maximum LTV of 80%, a credit score above 680, 1.000 point paid and approximate pre-paid finance charges of $100.
- Call for non-owner-occupied rates and fees

- Rates and APRs based on an owner-occupied, single family home, a loan amount of $50,000, a maximum LTV of 80%, a credit score above 680, 1.000 point paid and approximate pre-paid finance charges of $100.
- Call for non-owner-occupied rates and fees

- The Prime Rate as of January 31, 2012 was 3.250% resulting in a Daily Rate of 0.008904109%. This is a variable rate loan with a floor of 5.000% and a cap of 18.000%. Your rate may increase after consummation. Rates and APRs are based on an owner-occupied, single family home, a loan amount of $10,000 and an origination fee of $500. Other fees may apply which will result in a higher APR.
- Call for non-owner-occupied rates and fees and for interest-only option.

- Rates are as of February 3, 2012 and are subject to change without notice. These mortgage rates apply only in certain conditions. Your rate depends on several factors including market conditions, your credit score and loan-to-value. The displayed annual percentage rates (APRs) include total points and prepaid finance charges but do not include other closing costs. Loans over 80% LTV may require private mortgage insurance.
- Rates are not automatically locked in at time of application. Loan rate locks can be requested in writing after the loan has passed CBC FCU's pre-qualification. Lock-in fees may apply.
- Credit report fees are due at time of application.
- Other restrictions may apply.