FIXED RATE MORTGAGES
A fixed-rate home loan has the same interest rate for the full term of the loan giving you the predictability of a consistent payment.
Today's rates
See all PURCHASE or REFINANCE rates.
Features of our fixed-rate home loans
- Down payments as low as 3%.
- Rate lock that covers the period between credit approval and closing.1
- No prepayment penalty.
- Option for no Private Mortgage Insurance (PMI) on purchase loans only, which is usually required with less than 20% down and can add hundreds of dollars to your monthly payment.
- Option to pay points at closing in exchange for a lower rate.
GET STARTED
If you're ready to begin searching for a home, start with the Credit Union you trust.
Call
Our loan consultants will answer your questions about financing and find a loan that's right for you.
(800) 462-8328, ext. 8288
Monday through Friday, 8 a.m. – 7 p.m.
Saturday, 9 a.m. – 3 p.m.
Online
Schedule a meeting with a loan consultant or submit an application.
If we aren't the best deal, we'll tell you.
If you've shopped for rates elsewhere, we'll gladly do a cost comparison to help you make a confident choice — even if that means choosing another lender.
APR = Annual Percentage Rate. All loans subject to approval.
- Limits apply to the length of rate locks offered and rate locks may not cover the entire period between credit approval and closing in all cases. See our Rate Lock Informationfor terms and conditions.
- Programs available with no PMI with increases applied to interest rate/APR; loan-to-value range from 80.01% - 95%; minimum down payment of 5%; eligible properties are primary residence single-family homes and condominiums; condominium subject to additional rate adjustment. Please contact a real estate loan consultant for details.
- If the loan is paid in full prior to the 36th regularly scheduled payment, you will be obligated to reimburse SchoolsFirst FCU for a prorated amount of closing costs paid on your behalf. This amount will be added to the loan payoff balance.
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