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Mortgage Rates
Assumption for Fixed Rates and ARMs:



* The rates displayed are assuming that you are purchasing or refinancing an owner-occupied single family home, all borrowers have credit scores of 740 or higher, and that your property has a loan-to-value of 80% or less. If the loan-to-value is greater than 80%, PMI (private mortgage insurance) is required. The Annual Percentage Rates (APR) shown are based on a loan amount of $150,000 and may include points. (Points include any origination, discount and lender fees.)




*For adjustable-rate loans, interest rates are subject to potential increases over the life of the loan, once the initial fixed-rate period expires.



*PAYMENT CALCULATIONS DO NOT INCLUDE AMOUNTS FOR TAXES AND INSURANCE PREMIUMS. THE ACTUAL PAYMENT OBLIGATION MAY BE GREATER.



For a more specific quote, please contact one of our Mortgage Loan Officers at 812-253-6928 or apply online today!
Loan Amount:      $

GO

Program Name Rate Points APR Payment  
30 Year Fixed (Conforming) 4.750% 0.00% 4.803% $0.00  
30 Year Fixed (Conforming) 4.625% 0.50% 4.721% $0.00  
20 Year Fixed (Conforming) 4.500% 0.00% 4.572% $0.00  
20 Year Fixed (Conforming) 4.375% 0.38% 4.491% $0.00  
15 Year Fixed (Conforming) 4.125% 0.00% 4.216% $0.00  
15 Year Fixed (Conforming) 4.000% 0.12% 4.109% $0.00  
10 Year Fixed (Conforming) 3.875% 0.00% 4.005% $0.00  
10 Year Fixed (Conforming) 3.750% 0.50% 3.987% $0.00  
3/1 ARM (Conforming) 3.500% 0.00% 3.542% $0.00  
5/1 ARM (Conforming) 3.750% 0.00% 3.792% $0.00  
7/1 ARM (Conforming) 3.875% 0.00% 3.918% $0.00  
 Lot Loan (Conforming) 4.000% 0.00% 4.043% $0.00
= Special Program
Rates are subject to change without notice.
Rates last updated on 01/17/2019.
Heritage Federal Credit Union NMLS # 423066
PO Box 189, Newburgh, IN  47629
Direct:  (812) 253-6928
randerson@hfcu.info
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