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Mortgage Rates

The rates we offer shown below are examples effective as of Aug 30, 2015, and not intended to be inclusive or a commitment to the pricing for which you may qualify. For additional information and rates for loan amounts less than $100,000 please call 1-888-4WESCOM (1-888-493-7266).

Fixed-Rate Mortgages

Loan Rate Points APR

Conforming Fixed Rates ($100,000 - $417,000)

30 -Year 3.990% 0.000 4.038%
30 -Year 3.750% 1.000 3.880%
20 -Year 3.750% 0.000 3.816%
20 -Year 3.625% 1.000 3.806%
15 -Year 3.125% 0.000 3.208%
15 -Year 2.990% 1.000 3.219%

High-Balance Conforming Rates

(Loan size $417,001 - $625,500. Dependent upon county.)

30-Year 3.990% 0.000 4.048%
15-Year 3.125% 0.000 3.208%

Adjustable Rate Mortgages

Loan Rate Points APR Index Margin

Special Offer Adjustable Rate Mortgage

5/1 Fixed to ARM1, 2
(Loans up to $1,000,000)
2.500% 0.000 2.737% 1 YR Libor 2.250

Adjustable Rate Mortgages (Loans up to $417,000)

5/1 Fixed to ARM 2 2.750% 0.000 2.822% 1 YR Libor 2.250
7/1 Fixed to ARM 3 3.000% 0.000 2.903% 1 YR Libor 2.250
10/1 Fixed to ARM 4 3.500% 0.000 3.266% 1 YR Libor 2.250
15/15 Fixed to ARM 5 3.625% 0.000 3.726% 10 YR CMT 1.250

Jumbo Adjustable Rate Mortgages ($417,001 to $1,000,000)

5/1 Fixed to ARM 2 2.750% 0.000 2.822% 1 YR Libor 2.250
7/1 Fixed to ARM 3 3.000% 0.000 2.903% 1 YR Libor 2.250
10/1 Fixed to ARM 4 3.500% 0.000 3.266% 1 YR Libor 2.250
15/15 Fixed to ARM 5 3.625% 0.000 3.726% 10 YR CMT 1.250

1 The special offer adjustable rate mortgage is available on single-family, primary residences only. A minimum FICO Score of 720 is required. Maximum loan amount of $1,000,000. Maximum LTV/CLTV 75%. The initial rate adjustment will not exceed 2.00% and each subsequent rate adjustment will not exceed 2.00%. The maximum rate and APR increase over the life of the loan period is 5.00% from the start rate. Monthly payments may increase corresponding to changes to the rate.

2 The rate and APR is fixed for the first five years and adjusts annually thereafter. The initial rate adjustment will not exceed 2.00% and each subsequent rate adjustment will not exceed 2.00%. The maximum rate and APR increase over the life of the loan period is 5.00% from the start rate. Monthly payments may increase corresponding to changes to the rate.

3 The rate and APR is fixed for the first seven years and adjusts annually thereafter. The initial rate adjustment will not exceed 5.00% and each subsequent rate adjustment will not exceed 2.00%. The maximum rate and APR increase over the life of the loan period is 5.00% from the start rate. Monthly payments may increase corresponding to changes to the rate.

4 The rate and APR is fixed for the first ten years and adjusts annually thereafter. The initial rate adjustment will not exceed 5.00% and each subsequent rate adjustment will not exceed 2.00%. The maximum rate and APR increase over the life of the loan period is 5.00% from the start rate. Monthly payments may increase corresponding to changes to the rate.

5 The rate and APR is fixed for the first fifteen years and adjusts once thereafter. The rate adjustment will not exceed 6.00%. The maximum rate and APR increase over the life of the loan period is 6.00% from the start rate. Monthly payments may increase corresponding to the change to the rate.

FHA Mortgages

Loan Rate Origination Points Discount Points APR

FHA Conforming Fixed Rates

30-Year 3.500% 1.00 -0.500 3.587%
30-Year 3.375% 1.00 0.125 3.513%
15-Year 3.250% 1.00 -0.875 3.352%
15-Year 3.125% 1.00 0.500 3.428%

FHA Jumbo Fixed Rates

30-Year 3.625% 1.00 0.000 3.754%
30-Year 3.500% 1.00 0.375 3.659%

APR = Annual Percentage Rate

Rates subject to change without notice.

FHA Mortgages are processed by CUSO Mortgage, Inc., a wholly owned subsidiary of Wescom Holdings, LLC, which is a wholly owned subsidiary of Wescom Credit Union. CUSO Mortgage, Inc. is licensed by the California Department of Business Oversight under the California Residential Mortgage Lending Act, license number 413-0584. NMLS ID 226752.

For additional information on FHA loans please call 1-800-400-4540.