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Current Interest Rates *, **
FIXED CONFORMING
PROGRAM RATES APR Pmt Per $1,000
30 YR 4.250%

4.324%

$4.92
15 YR 3.750% 3.877% $7.27
FIXED JUMBO
PROGRAM RATES APR Pmt Per
$1,000
30 YR 4.625% 4.702% $5.14
ARM Click any ARM product for more information.
PROGRAM RATES APR Pmt Per
$1,000
10/1 4.375% 4.791% $4.99
7/1 3.874% 4.686% $4.70
5/1 3.625% 4.755% $4.56
3/1 3.500% 4.944% $4.49
 
 
Current Interest Rates*, **
HOME EQUITY LINE OF CREDIT1
PROGRAM RATES APR Pmt Per
$1,000
20 YR 5.50% 5.50% $6.88
HOME EQUITY LOAN2
PROGRAM RATES APR Pmt Per
$1,000
10 YR 5.24% 5.24% $10.72
15 YR 5.49% 5.49% $8.17
20 YR 5.99% 5.99% $7.16
 
*Up to 80% Total Loan To Value.
Other rates and terms available.
Pmt Per $1,000 does not include taxes
and insurance if applicable.
The actual obligation will be
greater than payment shown.
 
Current Interest Rates *, **
FIXED CONFORMING
PROGRAM RATES APR Pmt Per $1,000
30 YR 4.250%

4.324%

$4.92
15 YR 3.750% 3.877% $7.27
FIXED JUMBO
PROGRAM RATES APR Pmt Per
$1,000
30 YR 4.625% 4.702% $5.14
ARM Click any ARM product for more information.
PROGRAM RATES APR Pmt Per
$1,000
10/1 4.375% 4.791% $4.99
7/1 3.874% 4.686% $4.70
5/1 3.625% 4.755% $4.56
3/1 3.500% 4.944% $4.49
 
 
Current Interest Rates*, **
HOME EQUITY LINE OF CREDIT1
PROGRAM RATES APR Pmt Per
$1,000
20 YR 5.50% 5.50% $6.88
HOME EQUITY LOAN2
PROGRAM RATES APR Pmt Per
$1,000
10 YR 5.24% 5.24% $10.72
15 YR 5.49% 5.49% $8.17
20 YR 5.99% 5.99% $7.16
 
*Up to 80% Total Loan To Value.
Other rates and terms available.
Pmt Per $1,000 does not include taxes
and insurance if applicable.
The actual obligation will be
greater than payment shown.

Appraisal Methods

An appraisal is an opinion of value or the act or process of estimating value. This opinion or estimate is derived by using three common approaches, all derived from the market.

  1. The cost approach to determining value is to estimate what it would cost to replace or reproduce the improvements as of the date of the appraisal, less the physical deterioration, the functional obsolescence and the economic obsolescence. The remainder is added to the land value.
  2. The comparison approach to determining value makes use of other "benchmark" properties of similar size, quality and location that have been recently sold. A comparison is made to the subject property.
  3. The income approach to determining value is of primary importance in ascertaining the value of income producing properties and has little weight in residential properties. This approach provides an objective estimate of what a prudent investor would pay based upon the net income the property produces.

Then, after thorough analysis of all general and specific data gathered from the market, a final estimate or opinion of value is correlated.

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MORTGAGE OPTIONS FROM JEANNE D'ARC. THAT'S SMART.
loans

NMLS#: 406108 | Federally insured by NCUA up to $250,000. | Shares and Deposits in excess of NCUA limits are fully insured by MSIC. | ehl Equal Housing Opportunity

Copyright © 2017 Jeanne D’Arc Credit Union.  All rights reserved. Jeanne D’Arc©, MoneyStrong© and the phrase. We Share a Common Thread©, are federally register trademarks owned by Jeanne D’Arc Credit Union, and may not be used, displayed or reproduced by any other party without the express written permission of Jeanne D’Arc Credit Union.

** Rates are effective February 19, 2019 and are subject to change at any time. Conforming loan sizes up to $484,350.00 on one unit properties. Conforming rates and APR based on $484,350.00 loan amount with FICO credit scores of 780 and loan to value no greater than 75%. Jumbo rates and APR based on a $484,351.00 loan amount with FICO credit scores of 780 and loan to value no greater than 75%. For adjustable rate mortgages, rate may increase after consummation.

1 APR = Annual Percentage Rate. For all Home Equity Line of Credit terms see Important Terms of our HELOC link above. $5.00 Membership Account Required. Up to 80% loan to value. Other rates and terms available. Home Equity Lines of Credit are only available on Primary Residence and Second Homes. Home Equity Lines of Credit are only available in the states of Massachusetts and New Hampshire.

APR = Annual Percentage Rate. Other rates and terms up to 20 years available. Borrow up to 95% (75% for Second Homes) of your home's current value less any secure debt secured by your home with a minimum of $10,000 and a maximum of $250,000. Home Equity Loans are only available on Primary Residence and Second Homes. Home Equity Loans are only available in the states of Massachusetts and New Hampshire. Rates as of January 09, 2019 and are subject to change without notice. $5.00 Membership Account Required.

 

NMLS#: 406108 | Federally insured by NCUA up to $250,000. | Shares and Deposits in excess of NCUA limits are fully insured by MSIC. | ehl Equal Housing Opportunity

Copyright © 2017 Jeanne D’Arc Credit Union.  All rights reserved. Jeanne D’Arc©, MoneyStrong© and the phrase. We Share a Common Thread©, are federally register trademarks owned by Jeanne D’Arc Credit Union, and may not be used, displayed or reproduced by any other party without the express written permission of Jeanne D’Arc Credit Union.

** Rates are effective February 19, 2019 and are subject to change at any time. Conforming loan sizes up to $484,350.00 on one unit properties. Conforming rates and APR based on $484,350.00 loan amount with FICO credit scores of 780 and loan to value no greater than 75%. Jumbo rates and APR based on a $484,351.00 loan amount with FICO credit scores of 780 and loan to value no greater than 75%. For adjustable rate mortgages, rate may increase after consummation.

1 APR = Annual Percentage Rate. For all Home Equity Line of Credit terms see Important Terms of our HELOC link above. $5.00 Membership Account Required. Up to 80% loan to value. Other rates and terms available. Home Equity Lines of Credit are only available on Primary Residence and Second Homes. Home Equity Lines of Credit are only available in the states of Massachusetts and New Hampshire.

APR = Annual Percentage Rate. Other rates and terms up to 20 years available. Borrow up to 95% (75% for Second Homes) of your home's current value less any secure debt secured by your home with a minimum of $10,000 and a maximum of $250,000. Home Equity Loans are only available on Primary Residence and Second Homes. Home Equity Loans are only available in the states of Massachusetts and New Hampshire. Rates as of January 09, 2019 and are subject to change without notice. $5.00 Membership Account Required.