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Buying or Refinancing a home in CA, CO, or MI.


Buying or refinancing a home in other states.


FHA & VA Loans (Any State)


APR=Annual Percentage Rate. Loans available in all states except AL, HI, ID, MA, NM, NY and VT.  Conditions, restrictions, and terms may apply. Other loan programs available.

30-year fixed: Sample based on owner-occupied, single family residence; loan amount of $417,000. Interest rate=3.875%; APR=3.907% resulting in 360 monthly payments of $1,960.89. Loans subject to borrower and property qualifications, not all applicants may be approved. Fees and charges apply. Does not include taxes and insurance. Sample based on highest credit qualifications. Effective 9/24/2015; subject to change without notice.

3% Down: Sample based on 30-year fixed loan of $417,000 for purchase of a single family residence, owner-occupied at 97% loan-to-value with an interest rate of 3.875% and a 4.658% APR; 2.125 points. Monthly principal, interest and PMI payment of $2,238.89 for 360 months. Monthly taxes and insurance not included. Down payment of 3% from borrower’s own funds or gift. Rate shown is for highly qualified borrowers; rate received may be different based on credit history. Loans subject to borrower and property qualifications, not all applicants may be approved. Fees and charges apply to the loan and are effective 7/22/15 and subject to change without notice. Other conditions, restrictions, and terms may apply. Other terms also available.

5/1 ARM: sample based on $417,000 loan. Years 1-5, Interest rate=2.250%; APR=2.909%; points 0.375%; resulting in 60 monthly payments of $1,593.97. Years 6-30, Interest rate= 3.125%; APR=3.125% resulting in 300 monthly payments of $1,757.00. Loans subject to borrower and property qualifications, not all applicants may be approved. Rates shown are for highly qualified borrowers; rate received may be different based on credit. Fees and charges apply. Does not include taxes and insurance. Effective 8/4/2015; subject to change without notice. Conditions, restrictions & terms may apply.

5/5 ARM: Rate fixed for initial 5 year period, then becomes adjustable and may increase or decrease once every 5 years. Maximum rate adjustment of 2% per five years and 5% over the life of the loan. Index: 5-year CMT; Margin: 2.50%. Payment example: 5/5 ARM at $500,000 mortgage for years 1-5 at a rate of 2.875% (3.600% APR) resulting in 60 monthly payments of $2,074.46; then for years 6-30, 300 payments of $2,341.02 based on an estimated rate of 4.000% (4.000% APR, today’s index + margin). Rate may increase or decrease subject to market conditions. Example based on a purchase loan at 80% loan to value for an owner-occupied, single family home. Rate shown is for highly qualified borrowers; rate received may be different based on credit history. Does not include taxes and insurance. Rates effective 9/8/15. Rate, APR, terms and conditions are all subject to change without notice. 

$0 Closing Costs on 5/5 ARM: FPCU will pay for certain non-recurring closing costs up to a maximum of $10,000. This does not include pre-paid interest, homeowner and other insurance premiums, owner’s title insurance or city/county transfer tax. Reimbursement of closing costs paid by FPCU may be required if the loan is paid off within 36 months of origination. Other limitations apply. Call for details. This program is for owner-occupied, primary residential purchases and external refinances only. Subject to approval. California properties only.


Additional General Terms and Conditions





Equal Housing Lender