Financial Resources Federal Credit Union

Mortgage Type	Rate	APR*	Term	Points	Price per Thousand	Additional Information
30 Year Fixed Rate	6.250%	6.439%	30	1	$6.16	APR based on a $300,000 Loan Amount 80% LTV / 740 Minimum Credit Score Debt to Income (DTI) 45% Maximum**
20 Year Fixed Rate	6.125%	6.373%	20	1	$7.24
15 Year Fixed Rate	6.000%	6.311%	15	1	$8.44
10 Year Fixed Rate	6.000%	6.440%	10	1	$11.10

10/6 ARM	6.500%	6.918%	30	0	$6.34	SOFR index + 2.75% Margin Caps 2/1/5 APR based on a $300,000 Loan Amount 80% LTV / 740 Minimum Credit Score Debt to Income (DTI) 45% Maximum**
7/6 ARM	6.250%	6.873%	30	0	$6.18
5/6 ARM	5.500%	6.669%	30	0	$5.76
3/6 ARM	5.375%	6.857%	30	0	$5.68

30 Year Fixed Jumbo	7.250%	7.302%	30	0	$6.82	APR based on a $775,000 Loan Amount 80% LTV / 740 Minimum Credit Score Debt to Income (DTI) 45% Maximum**
20 Year Fixed Jumbo	7.000%	7.067%	20	0	$7.75
15 Year Fixed Jumbo	6.750%	6.832%	15	0	$8.85
10 Year Fixed Jumbo	6.750%	6.866%	10	0	$11.48

CALL (800) 933-3280 FOR ADDITIONAL RATE OPTIONS

Credit Score Below 680: Add 0.25% to RATE

High Balance (HB) loan: Add 0.25% to RATE 1

ARM Loan > 1 million: Add 0.25% to RATE

**Note: Rates quoted are for owner-occupied, single-family primary residences and indude a 60-day rate lock. All interest rates are subject to change without notice. Payments do not include taxes and insurance, so actual payment obligations may be higher. Loan approval is subject to credit qualification, and additional terms and conditions may apply. 1 High Balance Loans are mortgage loans that exceed the conforming loan limits set by the Federal Housing Finance Agency (FHFA) but fall within the maximum loan limits for high-cost areas. For rates with zero points, please call for details. For conforming fixed rates with zero points, please call for details.

*APR: The introductory' APR for your Adjustable-Rate Mortgage (ARM) be determined at the time Of loan approval based on your FICO score and other qualifying factors. After the introductory fixed period, the APR will adjust semi-annually and is determined by adding a margin of 2.75% to the Secured Overnight Financing Rate (SOFR). Please note that the APR on ARM Loans is subject to change after loan consummation and may vary periodically throughout the life of the loan. Conforming loan amounts are up to $806,500, and rates can be locked for 60 days.

Last Updated 3/27/2025