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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)


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

30-year fixed: Sample based on owner-occupied, single family residence, no cash out refinance in California. 30 year fixed rate loan at 3.500% interest rate with 0 points, 3.589% APR. Additional terms at this rate are based on a 60% Loan to Value ratio and 740 representative credit score. For a loan amount of $417,000 payments for months 1 -359 would be $1,872.52 and one final payment of $1,870.20. Loans subject to borrower and property qualifications, not all applicants may be approved. Rate and terms as of February 12, 2016; subject to change without notice. 

3% Down: Sample loan amount of $417,000 based on purchase of a single family residence, owner-occupied at 97% loan-to-value with an interest rate of 3.500% and a 4.267% APR; 0.75% points. Monthly principal, interest, taxes, insurance, and PMI payment of $2,813.30 for 360 months. Down payment of 3% from borrower’s own funds, grant or gift. Rates shown are for highly qualified borrowers; initial rate received may be different based on credit history. Fees and charges apply to the loan and are subject to change without notice. Effective 4/15/16. APR = Annual Percentage Rate.

5/1 ARM: Rate fixed for initial 5 year period, then becomes adjustable and may increase or decrease once every year thereafter. Maximum rate adjustment of 2% every year and 5% over the life of the loan. 1 year WSJ LIBOR Index currently: 1.231%; Margin: 2.25%. Example of monthly payments on a $417,000 loan amount for the 5/1 ARM over 30 years: Year 1–5, 60 monthly payments of $2,074.46 per month based on the initial rate of 2.375% (3.162% APR); Year 6, 12 monthly payments of $2,011.00 based on the maximum adjustment rate of 4.375%; Years 7–30, 288 monthly minimum payments of $1,598.00 to maximum payments of $2,649.00 based on maximum ceiling rate of 7.375%. Your payment and rate after the initial 5 year period may fluctuate annually more or less than quoted here depending on market rate conditions. Example based on a purchase loan at 75% maximum loan to value for an owner-occupied, single family residence. Rates effective 3/16/16. Rates shown are for highly qualified borrowers; initial rate received may be different based on credit history. Payments do not include taxes and insurance. Fees and charges apply to the loan and are subject to change without notice. 

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 Constant Maturity Treasury (CMT); Margin: 2.50%. Example of monthly payments on a $500,000 loan amount for the 5/5 ARM over 30 years: Years 1 – 5, 60 monthly payments of $2,074.46 per month based on the initial rate of 2.875% (3.364 APR); Years 6 – 10: 60 monthly payments of $2,561 based on the maximum adjustment rate of 4.875%; Years 11 – 15: 60 monthly payments of $3,010 based on the maximum adjustment rate of 6.875%; Years 16 - 30: 180 monthly payments of $3,201 based on maximum ceiling rate of 7.875%. Your payment and rate after the initial 5 year period may be less than quoted here depending on market rate conditions. Example based on a purchase loan at 80% maximum loan to value for an owner-occupied, single family home. Rates effective 8/26/16. $0 Closing Costs Promotion: 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 taxes. 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, no cash-out refinances only. California properties only. Subject to approval. NMLS# 401427  

$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 taxes. 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, no cash-out refinances only. California properties only. Subject to approval.

Additional General Terms and Conditions





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