- No Closing Costs*
- No junk fees
- Local decision making & servicing
- Purchase, refi, construction, rehab
Please call 401-729-4060 for First Time Homebuyer and Purchase Mortgage Special products and rates.
FHA Loans
| Term | Rate | Points | APR |
|---|---|---|---|
| 30 yr |
Call for today's rates. |
||
| 15 yr | |||
Adjustable Rate (ARM)
| Product | Term | Rate | Points | APR |
|---|---|---|---|---|
| 10/1 | 30 yr | 3.500% | 0 | 3.730% |
| 5/5 | 30 yr | 3.500% | 0 | 3.939% |
| 5/1 | 30 yr | 3.375% | 0 | 3.814% |
| 3/3 | 30 yr | 3.125% | 0 | 4.124% |
No Closing Cost Specials
| Product | Term | Rate | Points | APR |
|---|---|---|---|---|
| 30 Year Fixed Rate Special | 30 yr | 3.875% | 0 | 3.888% |
| First Time Home Buyer (100% Financing) | 30 yr | 3.875% | 0 | 4.492% |
Fixed Rate up to $510,400
| Term | Rate | Points | APR |
|---|---|---|---|
| 30 yr | 3.375% | 2 | 3.575% |
| 30 yr | 3.500% | 1 | 3.619% |
| 30 yr | 3.625% | 0 | 3.662% |
| 20 yr | 3.250% | 2 | 3.529% |
| 20 yr | 3.375% | 1 | 3.540% |
| 20 yr | 3.500% | 0 | 3.552% |
| 15 yr | 3.000% | 2 | 3.358% |
| 15 yr | 3.125% | 1 | 3.337% |
| 15 yr | 3.250% | 0 | 3.317% |
| 10 yr | 2.875% | 2 | 3.394% |
| 10 yr | 3.000% | 1 | 3.307% |
| 10 yr | 3.125% | 0 | 3.221% |
Jumbo Fixed Rate
| Term | Rate | Points | APR |
|---|---|---|---|
| 30 yr |
Call for today's rates. |
||
| 20 yr | |||
| 15 yr | |||
| 10 yr | |||
Quick Pay Fixed Rate
| Term | Rate | Points | APR |
|---|---|---|---|
| 20 yr | 3.375% | 0 | 3.427% |
| 11-15 yrs | 3.125% | 0 | 3.191% |
| 8-10 yrs | 3.000% | 0 | 3.096% |
| 1-7 yrs | 2.875% | 0 | 3.009% |
Smart Option Bi-Weekly
| Product | Term | Rate | Points | APR |
|---|---|---|---|---|
| Smart Option 30 | 30 yr | 3.875% | 0 | 3.907% |
| Smart Option 15 | 15 yr | 3.625% | 0 | 3.690% |
Land Loans (Buildable Lot)
| Product | Term | Rate | Points | APR |
|---|---|---|---|---|
| 1/1 | 30 yr | 3.750% | 0 | 3.766% |
| 5/1 | 30 yr | 4.250% | 0 | 4.267% |
| 10/1 | 30 yr | 4.875% | 0 | 4.892% |
Rates as of 12/6/2019 and subject to change without notice. Conditions and/or restrictions may apply.
The quotes above are only a sample of the wide variety of loan programs and rates available. The rates and points listed below do not take into consideration possible adjustments based on an evaluation of the following:
Applicant's credit score, Loan-to-Value, combined Loan-to-Value, subordinate financing, occupancy, appraised value, down payment, property type, property use and loan purpose. Rates and points may differ for individuals.
PCU’s regular terms and conditions apply. No Closing Cost offer available only on 30 Year Fixed Rate Special 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.
APR for Jumbo Fixed Rate mortgages is based on a $510,400 loan with 80% loan-to-value and no prepaid interest. APRs for all other mortgages listed are based on a $100,000 loan with 80% loan-to-value and no prepaid interest.
For all Adjustable Rate Mortgages the Rate may increase after closing.
Mortgage insurance required if LTV exceeds 80%.
Repayment Examples
- 30 yr Fixed Rate Mortgage at 3.375% (3.575% APR): 360 monthly payments of $4.42 per $1,000 borrowed
- 5/5 Adjustable Rate Mortgage at 3.500% (3.939% APR): 360 monthly payments of $4.49 per $1,000 borrowed
- 30 yr Jumbo Fixed Rate Mortgage at 3.625% (3.688% APR): 360 monthly payments of $4.56 per $1,000 borrowed.
- 20 yr QuickPay Fixed Rate Mortgage at 3.375% (3.427% APR): 240 monthly payments of $5.74 per $1,000 borrowed.
- 10 yr QuickPay Fixed Rate Mortgage at 3.000% (3.096% APR): 120 monthly payments of $9.66 per $1,000 borrowed.