PCU's regular mortgage terms and conditions apply. For refinances, add 0.25% to the interest rate. Minimum loan term is 15 years. No Closing Costs offer not available on QuickPay, construction, or land loans. If applicable, borrower must pay certain costs (e.g. prepaid interest, initial escrow deposit, PMI). Attorney's closing fees capped at $900 (typically $600-$700). 100% financing offer only applicable to first time homebuyer loans; all borrowers must be a first time homebuyer to qualify. Equal Housing Lender.