With LAPFCU’s low home loan rates, you’ll win every time! We have the home team advantage with our large selection of loan options, including traditional 30-year fixed,2 FHA, VA and jumbo loans1. Even if you already own a house, we can help you consolidate debt or make large purchases with our competitive Home Equity loan rates as low as 4.50% fixed APR3.
New! 5/5 ARM* with 3.375% APR4!
- Fixed rate for 5 years
- No private mortgage insurance (PMI) required
- Purchases and refinances
- Lock-in rate feature
Rates won’t stay low forever. Now is the time to buy or refinance! Apply for your home loan today! Please call 877-MY-LAPFCU (877-695-2732) for questions of more details.
*ARM=Adjustable Rate Mortgage. APR = Annual Percentage Rate.
1FHA, VA, Jumbo, and Reverse Mortgages provided by CU Partners, a correspondent lender.
2APR = Annual Percentage Rate. Payment example (effective August 25, 2016): A $300,000 loan with a 20% down payment and a fixed rate of 3.375%/3.395% APR would have 360 monthly payments of $1,326.29. Payments do not include taxes and insurance. All loans are subject to credit approval and applicable LAPFCU policies. Your actual payment may vary. All advertised rates and terms are subject to change at any time without notice. Restrictions apply, please ask for complete details.
3APR = Annual Percentage Rate. 4.50% Fixed APR is based on a loan term of up to 84 months. Rate effective August 25, 2016. Minimum loan amount $5000. Maximum loan-to-value is 80% for owner occupied properties and 70% for non-owner occupied properties. Maximum term on owner occupied properties is 20 years and 15 years on non-owner occupied properties. Loans available on 1-4 family dwellings. Equity Home Loans are available for properties located in California, Arizona, Colorado, Idaho, Montana, Nevada, Oregon and Utah. Payment Example (Rate effective August 25, 2016): A $35,000 loan with 4.50% fixed APR for 84 months would cost $13.91 per $1,000 borrowed. All loans are subject to creditworthiness. All Rates and Terms are subject to change without notice.
4ARM=Adjustable Rate Mortgage. APR = Annual Percentage Rate. 3.00% initial interest rate, followed by an estimated 3.50% adjustable interest rate, 3.37% APR based on zero points and 20% down for conforming loans up to $417,000, effective as of August 23, 2016. All advertised rates and terms are subject to change at any time without notice. Interest rates and payments may increase after consummation. Payments are fixed for five years. After the initial fixed-rate period, your interest rate can increase or decrease every five years according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the estimated adjustable rates are based on the current one-year LIBOR index plus a margin of 2.00% subject to adjustments every five years with a lifetime maximum adjustment of 5.00%. May not be combined with any other offer, program, or promotion. Cannot be used to refinance an existing LAPFCU mortgage. Payment example: A $300,000 loan with an initial interest rate of 3.00% would have 60 monthly payments of $1,264.81 followed by 300 monthly payments of $1,335.26 at a 3.50% estimated adjustable interest rate (subject to five year adjustment), 3.37% APR. Payments do not include taxes and insurance. Restrictions apply, ask for complete details. All loans are subject to credit approval and applicable LAPFCU policies.
5Program incentives/savings (Rebates) are awarded to buyers and sellers who select and use an Approved Agent in the CU Realty network. Please notify CU Realty which agent you select. Members are not eligible for any program incentives/savings if they select an agent outside the CU Realty network. Examples of rebate amounts shown here are based on a 3% commission rate; your agent’s commission rate may differ. 0816-43