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Current Interest Rates *, **
FIXED CONFORMING
PROGRAM RATES APR Pmt Per $1,000
30 YR 4.750%

4.784%

$5.22
15 YR 4.250% 4.309% $7.52
FIXED JUMBO
PROGRAM RATES APR Pmt Per
$1,000
30 YR 5.125% 5.150% $5.44
ARM Click any ARM product for more information.
PROGRAM RATES APR Pmt Per
$1,000
10/1 4.875% 5.046% $5.29
7/1 3.874% 4.620% $4.70
5/1 3.625% 4.687% $4.56
3/1 3.125% 4.775% $4.28
 
 
Current Interest Rates*, **
HOME EQUITY LINE OF CREDIT1
PROGRAM RATES APR Pmt Per
$1,000
20 YR 5.00% 5.00% $6.60
HOME EQUITY LOAN2
PROGRAM RATES APR Pmt Per
$1,000
10 YR 4.49% 4.49% $10.36
15 YR 4.74% 4.74% $7.77
20 YR 5.24% 5.24% $6.73
 
*Up to 80% loan to value.
Other rates and terms available
 
Current Interest Rates *, **
FIXED CONFORMING
PROGRAM RATES APR Pmt Per $1,000
30 YR 4.750%

4.784%

$5.22
15 YR 4.250% 4.309% $7.52
FIXED JUMBO
PROGRAM RATES APR Pmt Per
$1,000
30 YR 5.125% 5.150% $5.44
ARM Click any ARM product for more information.
PROGRAM RATES APR Pmt Per
$1,000
10/1 4.875% 5.046% $5.29
7/1 3.874% 4.620% $4.70
5/1 3.625% 4.687% $4.56
3/1 3.125% 4.775% $4.28
 
 
Current Interest Rates*, **
HOME EQUITY LINE OF CREDIT1
PROGRAM RATES APR Pmt Per
$1,000
20 YR 5.00% 5.00% $6.60
HOME EQUITY LOAN2
PROGRAM RATES APR Pmt Per
$1,000
10 YR 4.49% 4.49% $10.36
15 YR 4.74% 4.74% $7.77
20 YR 5.24% 5.24% $6.73
 
*Up to 80% loan to value.
Other rates and terms available

Market Commentary

Updated on September 19, 2018 10:18:26 AM EDT

Augusts Housing Starts was posted at 8:30 AM ET this morning. The Commerce Department announced a 9.2% increase in new home groundbreakings, exceeding forecasts. The favorable news came in the number of new building permits issued that was well below expectations. The permits reading helps us gauge future groundbreakings since a permit must be issued before construction starts. The mixed results did nothing to deter the negative tone in the bond market, leaving us with a bad start to the day for mortgage shoppers.

Tomorrow has two pieces of economic data set for release. The first will be last week’s unemployment figures at 8:30 AM ET. They are expected to show that 209,000 new claims for unemployment benefits were filed last week, up from 204,000 the previous week. Rising claims is a sign of employment sector weakness, so the higher the number of new claims, the better the news it is for mortgage rates. Although, because this is only a weekly update, it will take a wide variance from forecasts for the data to directly influence mortgage rates.

Next up is Augusts Existing Home Sales from the National Association of Realtors at 10:00 AM ET tomorrow. This report will give us another indication of housing sector strength by tracking home resales in the U.S. It is expected to show a slight increase from Julys sales. Good news would be a sizable decline in sales because a weakening housing sector makes broader economic growth more difficult.

 ©Mortgage Commentary 2018

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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 September 19, 2018 are subject to change at any time. Conforming loan sizes up to $453,100 on one unit properties. Conforming rates and APR based on $453,100 loan amount with FICO credit scores of 780 and loan to value no greater than 75%. Jumbo rates and APR based on a $630,000 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.

APR = Annual Percentage Rate. 3.99% APR rate for a 10-year term and an 80% loan to value on your Primary Residence. Other rates and terms up to 20 years available and/or borrow up to 95% loan to value. The 3.99% APR is repayable in 120 monthly payments of $10.12 per $1000 borrowed. 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. Rates as of June 17th, 2016 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 September 19, 2018 are subject to change at any time. Conforming loan sizes up to $453,100 on one unit properties. Conforming rates and APR based on $453,100 loan amount with FICO credit scores of 780 and loan to value no greater than 75%. Jumbo rates and APR based on a $630,000 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.

APR = Annual Percentage Rate. 3.99% APR rate for a 10-year term and an 80% loan to value on your Primary Residence. Other rates and terms up to 20 years available and/or borrow up to 95% loan to value. The 3.99% APR is repayable in 120 monthly payments of $10.12 per $1000 borrowed. 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. Rates as of June 17th, 2016 and are subject to change without notice. $5.00 Membership Account Required.