Contact Information

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Current Interest Rates *, **
FIXED CONFORMING
PROGRAM RATES APR Pmt Per
$1,000
30 YR 5.875% 5.902% $5.92
15 YR 5.250% 5.294% $8.04
10 YR 6.500% 6.564% $11.35
FIXED JUMBO
PROGRAM RATES APR Pmt Per
$1,000
30 YR 5.875% 5.902% $5.92
ARM
Click any ARM product for more information.
PROGRAM RATES APR Pmt Per
$1,000
10/1 Call For Quote    -      -
7/1 3.875% 4.801% $4.70
5/1 3.625% 4.909% $4.56
3/1 Call For Quote    -      -
Home Equity App
Current Interest Rates *, **
HOME EQUITY LINE OF CREDIT1
PROGRAM RATES APR Pmt Per
$1,000
20 YR 4.00% 4.00% $6.06
HOME EQUITY LOAN2
PROGRAM RATES As Low As APR Pmt Per
$1,000
10 YR 4.99% 4.99% $10.60
15 YR 4.99% 4.99% $7.90
20 YR 5.99% 5.99% $7.16
*Up to 80% Combined 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.
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loan professional

“I love seeing members happy and excited to begin a new journey. And I have the benefit of being able to help them through this financially, and that has always been a goal of mine.”

Chris Torres

Buying a home can be a strenuous process, but with Chris’s 12 years of expertise in banking, he makes the difficult choices easier. Whether you’re a first-time homebuyer or a seasoned homeowner, he can walk you through the necessary steps to secure a mortgage and will answer all of your questions. Chris will explain the mortgage options available and will provide insight to help you select the best mortgage for you.

Chris Torres | LOAN OFFICER
Cell: 978-323-4914 | Email: Christopher.Torres@jdcu.com | NMLS ID: 1038059 | JDCU NMLS: 406108

Take advantage of:

  • No Cost, No Obligation Pre-Approvals
  • Our First-Time Home Buyer Programs
  • Unique Construction Mortgage Loans
  • No Closing Cost Mortgage Options
  • Refinancing Your Mortgage To A Lower Rate, Shorter Term Or To Take Cash Out
  • Loans For Members With Less Than Perfect Credit
  • Avoiding Private Mortgage Insurance (PMI) With Less Than 20% Down

Payment Calculator

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Payment does not include taxes and insurance if applicable. The actual obligation will be greater than payment shown.