Contact Information

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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 3.125% 3.341% $6.97
FIXED JUMBO
PROGRAM RATES APR Pmt Per
$1,000
30 YR 3.625% 3.753% $4.56
ARM
Click any ARM product for more information.
PROGRAM RATES APR Pmt Per
$1,000
10/1 3.500% 3.349% $4.49
7/1 3.250% 3.138% $4.35
5/1 2.990% 3.003% $4.21
3/1 2.990% 2.990% $4.21
Home Equity App
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.
loan professional

“I love helping people buy a home that makes them happy and that they can afford. It gives me a great sense of pride to know I am doing something positive for the community.”

Navi Osorno

With over 17 years of experience in the financial services industry, Navi prides herself on helping members refinance or purchase the right home. She also extends her knowledge to the community, volunteering at the Cambodian Mutual Assistance Association and Merrimack Valley Housing Partnership speaking at homebuyer seminars in Lowell and Lawrence. Navi is a proud board member of the Lowell YWCA.

Navi Osorno | SENIOR LOAN OFFICER
Office: 978-323-4722 | Email: Navi.Osorno@jdcu.com | NMLS ID: 454804 | 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

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