Mortgages Great mortgage rates and service
Purchase
Whether you’re shopping for your first house or moving on to something better, COPFCU mortgage financing offers:
- Low rates and closing costs
- VA, FHA and Conventional loans
- First-time home buyer programs
- 3.5% down payment options
- Discounted private mortgage insurance (PMI)
- Fast closing usually in 4-5 weeks
Refinance
Refinancing can be a helpful tool for home improvement, debt consolidation or simply lowering your rate and monthly payment. Whatever your goal is for getting a new mortgage, COPFCU can help.
- Reduce your interest rate and your monthly payment
- Switch from an adjustable rate loan to a fixed rate mortgage
- Build equity faster by decreasing the term of your loan
Helpful tools
Purchase / Refinance Mortgage
Term | Rate | Points |
---|---|---|
30-Year Fixed FHA | From 6.125% | 0 |
15-Year Fixed FHA | From 5.000% | 1.125 |
30-Year Fixed VA | From 6.125% | 0 |
15-Year Fixed VA | From 5.000% | 1.375 |
30-Year Fixed - No Closing Costs | From 8.000% | 0 |
30-Year Fixed Conventional | From 7.500% | 0 |
20-Year Fixed Conventional | From 7.625% | 0 |
15-Year Fixed Conventional | From 5.625% | 0.25 |
10-Year Fixed Conventional | From 5.375% | 0 |
** APR – Annual Percentage Rate. Rates are subject to change without notice. Your actual rate may be higher based on loan-to-value (LTV) ratio and your overall credit profile.