No Closing Cost Mortgages Available!
- For 20, 30, & 40 Year Fixed Rate Mortgages
- Available for Purchases and Refinances
Mortgage & Home Equity by Phone
Loan Information & Applications
(631) 698-7000 ext. 6790
Rate Lock-ins
Rate Lock-ins are available Monday-Friday, 10am-4pm. Your Lock-in Interest Rates may be different than the rate posted on our website or our telephone system.
Loans are NOT locked in at application. A completed application is required prior to locking in.
Rate Lock-ins cannot be accepted by fax.
Pre-Approval Mortgage Program
TFCU offers a Pre-Approval program to members considering purchasing or refinancing
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Mortgage Rates
ConventionalMaximum loan amount: $417,000 |
Rates Effective: 09/08/2010 | ||
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| Fixed Rate Mortgages
* |
Rate | APR | Payment per $1,000 |
| 10 Year (up to 95% financing) |
3.375% | 3.55% | $9.83 |
| 15 Year (up to 95% financing) |
3.375% | 3.50% | $7.09 |
| 20 Year (up to 95% financing) |
3.875% | 3.97% | $5.99 |
| 30 Year (up to 95% financing) |
4.000% | 4.07% | $4.77 |
| 40 Year (up to 95% financing) |
4.375% | 4.43% | $4.99 |
* APR based on $165,000 Conventional loan assuming the highest credit rating. Your actual rate may vary depending on your specific terms. The maximum loan amount for conforming mortgage for a primary residence single unit home is $417,000. Mortgages above that amount are considered jumbo mortgages. Mortgages at or below that amount may be considered conforming so long as other Fannie Mae criteria are met. Rate quotes are not guaranteed.
The rates displayed are subject to change without notice. Additional factors that may not have been considered may affect your final rate. This is not a commitment to make a loan, nor is it a guarantee that you will receive these rates or points if you are approved for the loan. Loans above 80% LTV may require mortgage insurance. Rates and points can be locked in only after your completed loan application is received.
The rates displayed are subject to change without notice. Additional factors that may not have been considered may affect your final rate. This is not a commitment to make a loan, nor is it a guarantee that you will receive these rates or points if you are approved for the loan. Loans above 80% LTV may require mortgage insurance. Rates and points can be locked in only after your completed loan application is received.
AdjustableMaximum loan amount: $417,000 |
Rates Effective: 09/08/2010 | ||
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| Adjustable Mortgages
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Rate | APR | Payment per $1,000 |
| 1 Year Adjustable |
1.625% | 3.19% | $3.51 |
| 3/1 Adjustable |
2.250% | 3.10% | $3.82 |
| 5/1 Adjustable |
3.000% | 3.23% | $4.22 |
| 7/1 Adjustable |
3.250% | 3.32% | $4.35 |
| 10/1 Adjustable |
3.750% | 3.63% | $4.63 |
* APR based on $165,000 Conventional loan assuming the highest credit rating. Your actual rate may vary depending on your specific terms. The maximum loan amount for conforming mortgage for a primary residence single unit home is $417,000. Mortgages above that amount are considered jumbo mortgages. Mortgages at or below that amount may be considered conforming so long as other Fannie Mae criteria are met. Rate quotes are not guaranteed.
The rates displayed are subject to change without notice. Additional factors that may not have been considered may affect your final rate. This is not a commitment to make a loan, nor is it a guarantee that you will receive these rates or points if you are approved for the loan. Loans above 80% LTV may require mortgage insurance. Rates and points can be locked in only after your completed loan application is received.
The rates displayed are subject to change without notice. Additional factors that may not have been considered may affect your final rate. This is not a commitment to make a loan, nor is it a guarantee that you will receive these rates or points if you are approved for the loan. Loans above 80% LTV may require mortgage insurance. Rates and points can be locked in only after your completed loan application is received.
JumboLoan amount: $417,001 — $625,500 |
Rates Effective: 09/08/2010 | ||||
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| Jumbo Conforming Mortgages
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Rate | APR | Payment per $1,000 | ||
| 15 Year Fixed Rate* | 4.125% | 4.20% | $7.46 | ||
| 30 Year Fixed Rate* | 4.750% | 4.79% | $5.22 | ||
Jumbo Non-ConformingLoan amount: $625,501— $1,500,000 |
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| Jumbo Non-Conforming Mortgages
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Rate | APR | Payment per $1,000 | ||
| 15 Year Fixed Rate* | 4.125% | 4.20% | $7.46 | ||
| 30 Year Fixed Rate* | 4.750% | 4.79% | $5.22 | ||
| 1 Year Adjustable Rate Mortgage | 2.250% | 3.21% | $3.82 | ||
| 3/1 Year Adjustable Rate Mortgage | 2.875% | 3.20% | $4.15 | ||
| 5/1 Year Adjustable Rate Mortgage | 3.625% | 3.26% | $4.56 | ||
| 7/1 Year Adjustable Rate Mortgage | 3.875% | 3.58% | $4.70 | ||
| 10/1 Year Adjustable Rate Mortgage | 4.375% | 3.99% | $4.99 | ||
* APR based on $432,000 Conventional loan assuming the highest credit rating. Your actual rate may vary depending on your specific terms. The maximum loan amount for conforming mortgage for a primary residence single unit home is $417,000. Mortgages above that amount are considered jumbo mortgages. Mortgages at or below that amount may be considered conforming so long as other Fannie Mae criteria are met. Rate quotes are not guaranteed.
The rates displayed are subject to change without notice. Additional factors that may not have been considered may affect your final rate. This is not a commitment to make a loan, nor is it a guarantee that you will receive these rates or points if you are approved for the loan. Loans above 80% LTV may require mortgage insurance. Rates and points can be locked in only after your completed loan application is received.
The rates displayed are subject to change without notice. Additional factors that may not have been considered may affect your final rate. This is not a commitment to make a loan, nor is it a guarantee that you will receive these rates or points if you are approved for the loan. Loans above 80% LTV may require mortgage insurance. Rates and points can be locked in only after your completed loan application is received.
Home EquityMaximum loan amount: $350,000 |
Rates Effective: 09/01/2010 | ||
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| Home Equity Line of Credit $350,000 max (up to 80% of home value). -Lines up to $75,000 min. advance $5,000 -Lines $75,001 - $250,000 min. advance $60,000 and $50,000 min. balance for 24 months -Lines $250,001 - $350,000 min. advance $100,000 and $80,000 min. balance for 24 months Adjusts quarterly |
Rate | Term (months) | |
| Adjustable Rate as low as: 2.750% (80% of home value) |
180 | ||
Mini-Home Equity
No closing costs. Adjustable Rate Adjusts annually on March 1 $10,000 - $350,000 |
2.875% (80% of home value) | up to 240 | |
Mini-Home Equity
No closing costs up to $100,000 Fixed Rate |
80% of home value |
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| Min. $10,000 |
Max. $350,000 |
5.99% | 60 |
| 6.49% | 61-120 | ||
| 6.99% | 121-180(a) | ||
| 7.24% | 181-240(b) | ||
ALL RATES AND TERMS ARE SUBJECT TO CHANGE WITHOUT NOTICE.
Lowest rate available. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and or term.
Lowest rate available. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and or term.
First Time Home BuyerMaximum loan amount: $417,000 |
Rates Effective: 09/08/2010 | ||
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| My Community Mortgage
(5% down) |
Rate | APR | Payment per $1,000 |
| 30 Year Fixed | 5.125% | 5.20% | $5.44 |
| 40 Year Fixed | 5.500% | 5.56% | $5.16 |
| Flex97 Fixed Rate Mortgage (5% down) |
4.500% | 4.57% | $5.07 |
* APR based on $165,000 Conventional loan assuming the highest credit rating. Your actual rate may vary depending on your specific terms. The maximum loan amount for conforming mortgage for a primary residence single unit home is $417,000. Mortgages above that amount are considered jumbo mortgages. Mortgages at or below that amount may be considered conforming so long as other Fannie Mae criteria are met. Rate quotes are not guaranteed.
The rates displayed are subject to change without notice. Additional factors that may not have been considered may affect your final rate. This is not a commitment to make a loan, nor is it a guarantee that you will receive these rates or points if you are approved for the loan. Loans above 80% LTV may require mortgage insurance. Rates and points can be locked in only after your completed loan application is received.
The rates displayed are subject to change without notice. Additional factors that may not have been considered may affect your final rate. This is not a commitment to make a loan, nor is it a guarantee that you will receive these rates or points if you are approved for the loan. Loans above 80% LTV may require mortgage insurance. Rates and points can be locked in only after your completed loan application is received.
