First Mortgages

Your home is more than your biggest financial investment. We make purchasing or refinancing a home as stress-free and affordable as possible.

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First Mortgages Whether you're purchasing or refinancing your home, we're committed to bringing you value:
	Rates as low as 7.250% APR* Reducing the term of your loan Lowering monthly payments Getting cash out And much more!

^{All loans are subject to credit approval and all First Financial Credit Union (FFCU) policies and procedures. Loan rates are based on credit history, collateral criteria and term of loan. Loan pricing that you may qualify for can be different based on your credit history, loan-to-value (LTV), occupancy, property type, loan amount, loan purpose, and income/financial obligations. A minimum credit qualifying score is required. Payment examples do not include the cost of property taxes or insurance, so the actual payment obligation will be greater. Other terms and conditions subject to change without notice. Call for complete details.}*APR=Annual Percentage Rate. The rate you may qualify for is based on factors including your credit rating and the combined loan-to-value (CLTV) of your property. Rates above reflect a 60% loan-to-value, a credit score of 740 or higher and a 0.25% relationship discount for automatic payments from a FFCU checking account. A minimum credit qualifying score is required. All loans subject to approval. Rates subject to change without notice. Eligible properties are primary residence single-family homes, planned unit development (PUD) properties and condominiums in California.

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If you have any questions, please call us at (800) 537-8491, chat via Online/Mobile Banking, or visit your nearest branch.

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First Mortgage: Purchase

Effective: 12/17/24

Loan Type: Purchase	Interest Rate	APR³	Term	Monthly Principal & Interest Payments	Note	Points
Fixed-Rate First Mortgage: Conforming (with loans up to $766,500) APR & payment based on $400,000 loan	7.250%	7.357%	30 Year 10, 15, 20 year terms also available	$2,728.71	Rates subject to change daily. Request More Information	0.250
Fixed-Rate Mortgages: High Balance (loans from $766,501 to $1,149,829) APR & payment based on $750,000 loan	8.125%	8.400%	30 Year 15 year term also available	$5,568.73	Rates subject to change daily. Request More Information	2.000
Fixed-Rate Mortgages: Jumbo (loans up to $1,500,000) APR & payment based on $975,000 loan	7.500%	7.562%	30 Year 15 year term also available	$6,817.34	Rates subject to change daily. Request More Information	0.125
5/5 ARM (Adjustable Rate Mortgage) Loans up to $1,500,000 APR & Payment based on $400,000 loan	6.000%	6.529%	30 years	$2,398.20	Rates subject to change daily. Request More Information	0.00

First Mortgage: Refinance

Effective: 12/17/24

Loan Type: Refinance	Rate	APR³	Term	Monthly Principal & Interest Payments	Note	Points
Fixed-Rate: Conforming (loans up to $766,500) APR & payment based on $400,000 loan	7.250%	7.357%	30 Year 10, 15, 20 year terms also available	$2,728.71	Rates subject to change daily. Request More Information	0.25
Fixed-Rate: High Balance (loans from $766,501 to $1,149,829) APR & payment based on $750,000 loan	8.125%	8.400%	30 Year 15 year term also available	$5,568.73	Rates subject to change daily. Request More Information	2
Fixed-Rate: Jumbo (loans up to $1,500,000) APR & payment based on $975,000 loan	7.500%	7.562%	30 Year 15 year term also available	$6,817.34	Rates subject to change daily. Request More Information	0.125
5/5 ARM (Adjustable Rate Mortgage) Loans up to $1,500,000 APR & Payment based on $400,000 loan	6.000%	6.529%	30 years	$2,398.20	Rates subject to change daily. Request More Information	0.00

³APR=Annual Percentage Rate. The rate you may qualify for is based on factors including your credit rating and the combined loan-to-value (CLTV) of your property. Rates above reflect a 60% loan-to-value, a credit score of 740 or higher and a 0.25% relationship discount for automatic payments from a FFCU checking account. A minimum credit qualifying score is required. All loans subject to approval. Rates subject to change without notice.

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