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Many of SLFCU’s branch lobbies have re-opened for member service with additional safety precautions. Kirtland and Livermore East remain closed. Learn more. To read more about how COVID-19 is affecting SLFCU, click here.

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Fixed Rate Mortgages

Consider this mortgage if you are looking for long-term rate and payment stability. Lock in a low interest rate and get a fixed monthly payment, a variety of terms, and the option to pay points to reduce your rate.

Your fixed rate mortgage will be serviced by SLFCU – from application and processing to closing the loan and beyond. When you make a payment or have a question, you’ll talk to the professional, friendly staff at SLFCU.

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With a good credit history, you can put down as little as 5% in most markets; for lower credit scores, a 10% down payment is required. SLFCU can loan 80% on a first fixed-rate mortgage and finance the rest with an adjustable rate second mortgage. With this loan structuring, you avoid paying Private Mortgage Insurance (PMI).


Fixed Rate Mortgages
Effective Date: Friday, May 29, 2020
30 Year 0.875% 3.250% 3.402%
30 Year 0.250% 3.375% 3.478%
30 Year -0.750% 3.500% 3.583%
20 Year 0.500% 3.250% 3.422%
20 Year -0.250% 3.375% 3.491%
20 Year -1.000% 3.500% 3.617%
15 Year 0.500% 2.750% 2.966%
15 Year 0.000% 2.875% 3.019%
15 Year -0.375% 3.000% 3.146%
10 Year 0.500% 2.625% 2.938%
10 Year 0.000% 2.750% 2.959%
10 Year -0.375% 2.875% 3.086%

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Mortgage Disclosure: Maximum loan-to-value is 80% for all fixed rate mortgages and standard adjustable rate mortgages. Rates subject to change; check with SLFCU for current rates. If loan does not close, fees incurred will be charged to the member. A $45 initial credit report fee applies to all loans. All loans subject to credit approval. Contact SLFCU for details.

5/5 Adjustable Rate Mortgage Disclosure: Rate for the remaining term adjusts every five years and is based on the then-current index plus margin, rounded to the nearest eighth of a percentage point, and subject to the floor rate.

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