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Sandia Laboratory Federal Credit Union Sandia Laboratory Federal Credit Union Go to main content
Routing #307083911|
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Couple moving in to a new home.

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.

Get started today: APPLY NOW     Estimate Your Payments


LIMITED-TIME OFFER FOR NEW FIRST OR SECOND MORTGAGES

Make your move with SLFCU by March 31, 2024 and we’ll give you $1,000 toward closing costs on a new first or second mortgage! View offer details.


LOW DOWN PAYMENTS, NO PMI

With our fixed rate mortgages, you can put down as little as 5%. 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 MORTGAGE RATES

Fixed Rate Mortgages
Effective Date: Thursday, March 28th, 2024
TermPointsRateAPRPayment Per $1,000 Financed
30 Year 0.375% As low as 6.875% As low as 7.043% $6.57
30 Year 0.000% As low as 7.000% As low as 7.117% $6.65
30 Year -0.375% As low as 7.125% As low as 7.258% $6.74
20 Year 0.500% As low as 6.750% As low as 6.984% $7.60
20 Year 0.000% As low as 6.875% As low as 7.045% $7.68
20 Year -0.250% As low as 7.000% As low as 7.172% $7.75
15 Year 0.125% As low as 6.750% As low as 6.981% $8.85
15 Year 0.000% As low as 6.875% As low as 7.087% $8.92
15 Year -0.125% As low as 7.000% As low as 7.214% $8.99
10 Year 0.125% As low as 6.625% As low as 6.947% $11.42
10 Year 0.000% As low as 6.750% As low as 7.045% $11.48
10 Year -0.125% As low as 6.875% As low as 7.172% $11.55

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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. Available rate based on credit history. Not everyone will qualify for lowest rate. If loan does not close, fees incurred will be charged to the member. All loans subject to credit approval. Contact SLFCU for details.

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