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Current Interest Rates *, **
FIXED CONFORMING
PROGRAM RATES APR Pmt Per $1,000
30 YR 3.250%

3.371%

$4.35
15 YR 3.250% 3.470% $7.03
FIXED JUMBO
PROGRAM RATES APR Pmt Per
$1,000
30 YR 3.625% 3.371% $4.56
ARM Click any ARM product for more information.
PROGRAM RATES APR Pmt Per
$1,000
10/1 3.500% 3.430% $4.49
7/1 3.250% 3.235% $4.35
5/1 2.990% 3.112% $4.21
3/1 2.990% 3.114% $4.21
 
 
Current Interest Rates*, **
HOME EQUITY LINE OF CREDIT1
PROGRAM RATES APR Pmt Per
$1,000
20 YR 3.25% 3.25% $5.67
HOME EQUITY LOAN2
PROGRAM RATES APR Pmt Per
$1,000
10 YR 4.49% 4.49% $10.36
15 YR 4.49% 4.49% $7.64
20 YR 5.49% 5.49% $6.87
 
*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 3.250%

3.371%

$4.35
15 YR 3.250% 3.470% $7.03
FIXED JUMBO
PROGRAM RATES APR Pmt Per
$1,000
30 YR 3.625% 3.371% $4.56
ARM Click any ARM product for more information.
PROGRAM RATES APR Pmt Per
$1,000
10/1 3.500% 3.430% $4.49
7/1 3.250% 3.235% $4.35
5/1 2.990% 3.112% $4.21
3/1 2.990% 3.114% $4.21
 
 
Current Interest Rates*, **
HOME EQUITY LINE OF CREDIT1
PROGRAM RATES APR Pmt Per
$1,000
20 YR 3.25% 3.25% $5.67
HOME EQUITY LOAN2
PROGRAM RATES APR Pmt Per
$1,000
10 YR 4.49% 4.49% $10.36
15 YR 4.49% 4.49% $7.64
20 YR 5.49% 5.49% $6.87
 
*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 April 7, 2020 10:17:06 AM EDT

There again is nothing scheduled for release today that is expected to affect rates. We are seeing Treasury bonds move with stocks, but fortunately, the reaction in mortgage bonds is not nearly as strong. Look for them to remain independent of Treasury securities, at least for the near future. That will limit the negative impact a stock rally may have on mortgage rates.

Activities start tomorrow afternoon with the first of two Treasury auctions that have traditionally affected mortgage rates. There is a 10-year Treasury Note sale tomorrow and a 30-year Bond sale Thursday. We could see some weakness in bonds ahead of the sales as participating firms sell current holdings to prepare for them. This weakness is usually only temporary if the sales are met with a decent demand from investors. The results of the auctions will be posted at 1:00 PM ET each day. If the demand from investors was strong, the bond market could rally during afternoon trading. If the sales were met with a poor demand, afternoon weakness may cause enough of a move to create upward revisions in mortgage pricing tomorrow and/or Thursday.

Tomorrow afternoon also has the minutes from the March 15th FOMC meeting, which was an unscheduled emergency meeting. Market participants will be looking at them closely as they give us insight to the Feds current thought process and individual Fed member opinions about how bad the economy will get during this pandemic. Any surprises in the 2:00 PM ET release could cause afternoon volatility in the markets and possible changes in mortgage pricing tomorrow afternoon.

 ©Mortgage Commentary 2020

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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 April 07, 2020 and are subject to change at any time. Conforming loan sizes up to $510,400.00 on one unit properties. Conforming rates and APR based on $510,400.00 loan amount with FICO credit scores of 780 and loan to value no greater than 75%. Jumbo rates and APR based on a $510,410.01 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 April 07, 2020 and are subject to change at any time. Conforming loan sizes up to $510,400.00 on one unit properties. Conforming rates and APR based on $510,400.00 loan amount with FICO credit scores of 780 and loan to value no greater than 75%. Jumbo rates and APR based on a $510,410.01 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.