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Current Interest Rates *, **
FIXED CONFORMING
PROGRAM RATES APR Pmt Per $1,000
30 YR 3.500%

3.601%

$4.49
15 YR 3.125% 3.302% $6.97
FIXED JUMBO
PROGRAM RATES APR Pmt Per
$1,000
30 YR 3.875% 3.980% $4.70
ARM Click any ARM product for more information.
PROGRAM RATES APR Pmt Per
$1,000
10/1 3.625% 4.164% $4.56
7/1 3.750% 4.388% $4.63
5/1 3.500% 4.414% $4.49
3/1 3.375% 4.550% $4.42
 
 
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 3.500%

3.601%

$4.49
15 YR 3.125% 3.302% $6.97
FIXED JUMBO
PROGRAM RATES APR Pmt Per
$1,000
30 YR 3.875% 3.980% $4.70
ARM Click any ARM product for more information.
PROGRAM RATES APR Pmt Per
$1,000
10/1 3.625% 4.164% $4.56
7/1 3.750% 4.388% $4.63
5/1 3.500% 4.414% $4.49
3/1 3.375% 4.550% $4.42
 
 
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.

Market Commentary

Updated on June 20, 2019 10:37:47 AM EDT

Last week’s unemployment figures showed that 216,000 new claims for unemployment benefits were filed, down from the previous week’s 222,000 initial filings. A decline in claims is a sign of a strengthening employment sector, so we should consider the data bad news for bonds and mortgage rates. Fortunately, this report is only a weekly snapshot and doesn’t carry too much weight in the markets. That is why we haven’t seen a reaction in this morning’s mortgage rates.

Also posted this morning was Mays Leading Economic Indicators (LEI). It revealed no change compared to the 0.1% increase that was expected. The softer reading is favorable for bonds and mortgage rates because the indicators attempt to predict economic growth over the next several months. This is a minor piece of data that showed a small variance from forecasts, meaning we likely won’t see the markets react to it. Still, it is good news for mortgage rates.

Tomorrow has one report set for release that may influence mortgage rates. That will be the National Association of Realtor’s Existing Home Sales report for May at 10:00 AM ET. This report tracks resales of existing homes, giving us a measurement of housing sector strength. It is considered to be moderately important to the markets, but can also influence mortgage rates if it shows a sizable difference between forecasts and actual results. Analysts are currently expecting to see an increase in sales. As with most economic reports we get, weak numbers would be favorable to mortgage rates.

 ©Mortgage Commentary 2019

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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 June 20, 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 June 20, 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.