apply for a mortgage

Quick Contact

First NameLast Name
PhoneZip Code
Email Address
 
Current Interest Rates *, **
FIXED CONFORMING
PROGRAM RATES APR Pmt Per $1,000
30 YR 4.875%

4.909%

 $5.29
15 YR 4.375% 4.434% $7.59
FIXED JUMBO
PROGRAM RATES APR Pmt Per
$1,000
30 YR 5.250% 5.275% $5.52
ARM Click any ARM product for more information.
PROGRAM RATES APR Pmt Per
$1,000
10/1 5.000% 5.183% $5.37
7/1 4.124% 4.820% $4.85
5/1 3.625% 4.786% $4.56
3/1 3.500% 4.990% $4.49
 
 
Current Interest Rates*, **
HOME EQUITY LINE OF CREDIT1
PROGRAM RATES APR Pmt Per
$1,000
20 YR 5.25% 5.25% $6.74
HOME EQUITY LOAN2
PROGRAM RATES APR Pmt Per
$1,000
10 YR 4.99% 4.99% $10.60
15 YR 5.24% 5.24% $8.03
20 YR 5.74% 5.74% $7.02
 
*Up to 80% loan to value.
Other rates and terms available

Second Mortgages

Home Equity Line of Credit (HELOC)
If you need to borrow money, home equity lines may be one useful source of credit. Initially at least, they may provide you with large amounts of cash at relatively low interest rates and they may provide you with certain tax advantages unavailable with other kinds of loans.

Length of Your Second Mortgage
Some second mortgage loans may extend for as long as 15 or 20 years; others may require repayment in one year.

Second Mortgage Payment Calculator
Be sure you understand how much your monthly payments will be and what they cover.

Second Mortgage Costs
We offer Home Equity Loans and Home Equity Lines of Credit at no cost to our members. We also offer piggyback second mortgages, the costs will be discussed at time of your first mortgage purchase application.

Second Mortgage Rates
If you have a fixed rate loan, the interest rate is set for the life of the loan. However, many companies offer variable rate mortgages, also known as adjustable rate mortgages or ARMs.
mortgages
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 October 18, 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.

2 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 October 17th, 2018 and are subject to change without notice. $5.00 Membership Account Required.