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Florida MortGAGE Rates

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Rates effective as of December 2, 2019

30-year
(fixed rate)
3.750%*

Points: 0.250%

3.861% APR*

What's the rate?*

Important Loan Information

 

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $150,000 and an estimated property value of $200,000. The property is located in Miramar, FL and is within Broward county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 45 days and the assumed credit score is 740.

At a 3.750% interest rate, the APR for this loan type is 3.861%. The payment schedule would be:

  • 359 payments of $694.67 at an interest rate of 3.750%
  • 1 payment of $696.95 at an interest rate of 3.750%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

What's the APR?**

Important Loan Information

 

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $150,000 and an estimated property value of $200,000. The property is located in Miramar, FL and is within Broward county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 45 days and the assumed credit score is 740.

At a 3.750% interest rate, the APR for this loan type is 3.861%. The payment schedule would be:

  • 359 payments of $694.67 at an interest rate of 3.750%
  • 1 payment of $696.95 at an interest rate of 3.750%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

15-year
(fixed rate)
3.125%*

Points: 0.500%

3.358% APR**

What's the rate?*

Important Loan Information

 

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $150,000 and an estimated property value of $200,000. The property is located in Miramar, FL and is within Broward county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 45 days and the assumed credit score is 740.

At a 3.125% interest rate, the APR for this loan type is 3.358%. The payment schedule would be:

  • 179 payments of $1,044.91 at an interest rate of 3.125%
  • 1 payment of $1,045.80 at an interest rate of 3.125%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

What's the APR?**

Important Loan Information

 

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $150,000 and an estimated property value of $200,000. The property is located in Miramar, FL and is within Broward county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 45 days and the assumed credit score is 740.

At a 3.125% interest rate, the APR for this loan type is 3.358%. The payment schedule would be:

  • 179 payments of $1,044.91 at an interest rate of 3.125%
  • 1 payment of $1,045.80 at an interest rate of 3.125%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

30 Year Jumbo
(fixed rate)
3.625%*

Points: 0.250%

3.672% APR**

What's the rate?*

Important Loan Information

 

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $500,000 and an estimated property value of $750,000. The property is located in Miramar, FL and is within Broward county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 45 days and the assumed credit score is 740.

At a 3.625% interest rate, the APR for this loan type is 3.672%. The payment schedule would be:

  • 359 payments of $2,280.26 at an interest rate of 3.625%
  • 1 payment of $2,277.91 at an interest rate of 3.625%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

What's the APR?**

Important Loan Information

 

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $500,000 and an estimated property value of $750,000. The property is located in Miramar, FL and is within Broward county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 45 days and the assumed credit score is 740.

At a 3.625% interest rate, the APR for this loan type is 3.672%. The payment schedule would be:

  • 359 payments of $2,280.26 at an interest rate of 3.625%
  • 1 payment of $2,277.91 at an interest rate of 3.625%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

5/1 ARM
(variable rate)
3.25%*

Points: 0.500%

4.025% APR**

What's the rate?*

Important Loan Information

 

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $150,000 and an estimated property value of $200,000. The property is located in Miramar, FL and is within Broward county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 45 days and the assumed credit score is 740.

At a 3.25% initial interest rate, the APR for this loan type is 4.025%, subject to increase. Based on current market conditions, the payment schedule would be:

  • 60 payments of $652.81 at an interest rate of 3.25%
  • 299 payments of $725.71 at an interest rate of 4.25%
  • 1 payment of $727.32 at an interest rate of 4.25%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

What's the APR?**

Important Loan Information

 

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $150,000 and an estimated property value of $200,000. The property is located in Miramar, FL and is within Broward county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 45 days and the assumed credit score is 740.

At a 3.25% initial interest rate, the APR for this loan type is 4.025%, subject to increase. Based on current market conditions, the payment schedule would be:

  • 60 payments of $652.81 at an interest rate of 3.25%
  • 299 payments of $725.71 at an interest rate of 4.25%
  • 1 payment of $727.32 at an interest rate of 4.25%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

Jumbo 5/1 ARM
(variable rate)
3.250%*

Points: 0.500%

3.962% APR**

What's the rate?*

Important Loan Information

 

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $500,000 and an estimated property value of $750,000. The property is located in Miramar, FL and is within Broward county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 45 days and the assumed credit score is 740.

At a 3.250% initial interest rate, the APR for this loan type is 3.962%, subject to increase. Based on current market conditions, the payment schedule would be:

  • 60 payments of $2,176.03 at an interest rate of 3.250%
  • 299 payments of $2,419.04 at an interest rate of 4.250%
  • 1 Payment of $2,421.37 at a rate of 4.250%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

What's the APR?**

Important Loan Information

 

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $500,000 and an estimated property value of $750,000. The property is located in Miramar, FL and is within Broward county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 45 days and the assumed credit score is 740.

At a 3.250% initial interest rate, the APR for this loan type is 3.962%, subject to increase. Based on current market conditions, the payment schedule would be:

  • 60 payments of $2,176.03 at an interest rate of 3.250%
  • 299 payments of $2,419.04 at an interest rate of 4.250%
  • 1 Payment of $2,421.37 at a rate of 4.250%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

10 Yr “Rapid Refi”
Program (Fixed Rate)
3.625%*
Points: $500

3.678% APR**

What's the rate?*

Important Loan Information
 
The information provided assumes the purpose of the loan is to refinance your property, with a loan amount of $200,000 and an estimated property value of $270,000.   The property is located in Miramar, FL and is within Broward County.   The property is an existing single-family home and will be used as a primary residence.   The assumed credit score is 700 or higher.
 
At a 3.625% fixed rate, the APR for this loan type is 3.678%.    The payment schedule would be 120 months at $1989.45 per month at an interest rate of 3.625%.   For this loan, there will be no escrow account available.   Closing Costs on this loan is a total of only $500.

 

What's the APR?**

Important Loan Information
 
The information provided assumes the purpose of the loan is to refinance your property, with a loan amount of $200,000 and an estimated property value of $270,000.   The property is located in Miramar, FL and is within Broward County.   The property is an existing single-family home and will be used as a primary residence.   The assumed credit score is 700 or higher.
 
At a 3.625% fixed rate, the APR for this loan type is 3.678%.    The payment schedule would be 120 months at $1989.45 per month at an interest rate of 3.625%.   For this loan, there will be no escrow account available.   Closing Costs on this loan is a total of only $500.

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This credit union is federally-insured by the National Credit Union Administration. NMLS ID 407683.

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