Contact Information

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Current Interest Rates *, **
FIXED CONFORMING
PROGRAM RATES APR Pmt Per
$1,000
30 YR 3.125% 3.131% $4.28
15 YR 2.375% 2.385% $6.61
10 YR 1.990% 2.002% $9.20
FIXED JUMBO
PROGRAM RATES APR Pmt Per
$1,000
30 YR 3.125% 3.131% $4.28
ARM
Click any ARM product for more information.
PROGRAM RATES APR Pmt Per
$1,000
10/1 Call For Quote    -      -
7/1 3.250% 3.138% $4.35
5/1 2.990% 3.003% $4.21
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 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

“You may have a million questions when you are buying a home, and I’m happy to help answer all of them.”

Nicholas Spinosa

Coming from real estate sales, Nick understands buying a home can be an exciting, yet nerve-racking, time. His mission is to guide each buyer along his or her journey to home ownership. Step by step, he is there to make sure members know all of their options and are comfortable with the many choices they will have to make.

Nicholas Spinosa | LOAN OFFICER
Cell: 978-551-1846 | Email: Nicholas.Spinosa@jdcu.com | NMLS ID: 1847446 | 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.