Purchasing a home is one of the biggest investment decisions you will ever make. You can trust CBC for professional guidance and efficient processing to make your experience easier. We offer loan options specific to your needs:
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Whether you’re looking to buy a home or refinance, we have you covered.
Product |
Rate |
Discount Points |
APR (as low as) |
Payment Per |
---|---|---|---|---|
10 Year | 2.375% | 0 | 2.4539 | $9.37 |
15 Year | 2.375% | 0 | 2.4330 | $6.61 |
20 Year | 2.875% | 0 | 2.9200 | $5.48 |
30 Year | 3.125% | 0 | 3.1570 | $4.28 |
Product |
Rate |
Discount Points |
APR (as low as) |
Payment Per |
---|---|---|---|---|
30 Due in 15 | 3.750 | .50 | 3.8647 | $4.63 |
Product |
Rate |
Discount Points |
APR (as low as) |
Payment Per |
---|---|---|---|---|
15 Year | 2.875% | 0 | 2.9150 | $6.85 |
30 Year | 3.125% | 0 | 3.1470 | $4.28 |
Product |
Rate |
Discount Points |
APR (as low as) |
Payment Per |
---|---|---|---|---|
20 Year | 3.000% | 0 | 3.0116 | $5.55 |
30 Year | 3.000% | 0 | 3.0082 | $4.22 |
Product |
Rate |
Discount Points |
APR (as low as) |
Payment Per |
---|---|---|---|---|
15 Year | 5.000% | 0 | 5.6517 | $7.91 |
20 Year | 5.250% | 0 | 5.7689 | $6.74 |
Rates are subject to change without notice. These mortgage rates apply only with certain conditions. Your rate depends on several factors including market conditions, property type, loan purpose, 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 require private mortgage insurance.
Rates are not automatically locked in at time of application. Loan rate locks can be requested in writing after your loan has been pre-approved by CBC FCU.
Product | Rate | APR | Points | Margin | Index | Caps Est | Payment Per $1,000 |
---|---|---|---|---|---|---|---|
5/1 | 2.500% | 2.5550% | 0 | 2.25% | 0.2866% | 5/2/5 | $3.95 |
7/1 | 2.750% | 2.6490% | 0 | 2.25% | 0.2866% | 5/2/5 | $4.02 |
Product | Rate | APR | Points | Margin | Index | Caps Est | Payment Per $1,000 |
---|---|---|---|---|---|---|---|
5/1 | 2.625% | 2.5640% | 0 | 2.25% | 0.2866% | 5/2/5 | $4.02 |
7/1 | 2.875% | 2.6710% | 0 | 2.25% | 0.2866% | 5/2/5 | $4.15 |
Product | Rate | APR | Points | Margin | Index | Caps Est | Payment Per $1,000 |
---|---|---|---|---|---|---|---|
5/1 | 2.750% | 2.6020% | 0 | 2.25% | 0.2866% | 5/2/5 | $4.08 |
7/1 | 3.000% | 2.7220% | 0 | 2.25% | 0.2866% | 5/2/5 | $4.22 |
Product | Rate | APR | Points | Margin | Index | Caps Est | Payment Per $1,000 |
---|---|---|---|---|---|---|---|
5/5 | 2.750% | 3.3680% | 0 | 2.75% | 0.8200% | 5/2/5 | $4.08 |
Product | Rate | APR | Points | Margin | Index | Caps Est | Payment Per $1,000 |
---|---|---|---|---|---|---|---|
5/5 | 2.875% | 3.3810% | 0 | 2.75% | 0.8200% | 5/2/5 | $4.15 |
1 LIBOR Adjustable Rate Mortgage (ARM): The estimated payment is based on an owner-occupied 30 year, 5 or 7 year ARM at 80% loan-to-value (LTV). After the initial 5 years, the rate may adjust annually by no more than 5%. The maximum lifetime adjustment is 5%. Maximum 95% LTV on conforming and high balance purchases and 95% LTV on refinances. No Closing Cost offer is available for purchases and external refinances on the 5/1 ARM excluding Jumbo 5/1 ARM. For more information click here.
2 CMT Adjustable Rate Mortgage (ARM): The estimated payment is based on an owner-occupied 30 year, 5 year ARM at 80% LTV. After the initial 5 years, the rate may adjust every 5 years by no more than 5%. • The maximum lifetime cap is 5%. Maximum 95% LTV on conforming and high balance purchases and 95% LTV on refinances.
Call for non-owner-occupied rates and fees.
Home Equity Line of Credit3
What can you do with your home’s equity...? Anything you want! Pay off high rate debt, remodel your home, take a vacation or pay for a wedding, whatever you need! Take the equity you’ve built up in your home and put it to use.
2.99% 12 Month Intro Rate!
Rate | APR* | Payment Per $1,000 |
|||
---|---|---|---|---|---|
CLTV < 70% | Prime + 0 | 0 pts | 4.00% | 4.00% | $7.40 |
CLTV 70.01%-80% | Prime + .50 | 0 pts | 4.00% | 4.00% | $7.40 |
CLTV 80.01%-90% | Prime + 1.50 | 0 pts | 4.75% | 4.75% | $7.78 |
With an Epic Premium Checking Account:
Rates as low as 2.74% APR* for 12 months and as low as 3.75% APR* thereafter
Without an Epic Premium Checking Account:
Rates as low as 2.99% APR* for 12 months and as low as 4.00% APR* thereafter
Get Real-Time Rates or Go Epic and Save More!
3 Home Equity Line of Credit (HELOC): The Prime Rate as of September 30th 2020 was 3.25%.
Call for non-owner occupied rates and fees.
CBC designed this loan to get a previous homeowner back into homeownership. Today, there are all kinds of reasons why a good borrower had a bad outcome. The Fresh Start Mortgage Loan gets them back to where they belong… In a home. Call our Real Estate Department at 805-988-2151 for complete details.
Fill out the form below and let's get started!
Or call us today at 805.278.5723 to speak to one of our mortgage experts!