MVFCU offers a wide range of mortgage products, including low-moderate income programs.

Check out today's rates then call on a qualified Mortgage Specialist to find out which mortgage program is right for you.

Conventional Fixed Rate Mortgage Programs

Program	Rate	Points	APR	Monthly Payment per $1,000
30 Year	3.625%	2.00	3.826%	4.56
	3.875%	1.00	3.995%	4.70
	4.125%	0.00	4.161%	4.85
	4.500%	NPNC***	4.537%	5.07
20 Year	3.500%	2.00	3.781%	5.80
	3.750%	1.00	3.915%	5.93
	4.000%	0.00	4.050%	6.06
	4.375%	NPNC***	4.426%	6.26
15 Year	2.875%	2.00	3.230%	6.85
	3.125%	1.00	3.334%	6.97
	3.375%	0.00	3.439%	7.09
	3.750%	NPNC***	3.814%	7.27
10 Year	2.750%	2.00	3.267%	9.54
	3.000%	1.00	3.304%	9.66
	3.250%	0.00	3.342%	9.77
	3.625%	NPNC***	3.718%	9.95

* Annual Percentage Rate (APR) is based on a $ 100,000 mortgage with a loan-to value of 80%
** Owner Occupied is your primary, second or vacation home.
***No Point No Closing Cost (NPNC) programs are for purchases & refinances with a minimum loan amount of $150,000.
This program can be utilized only once a year or 12 months from date of closing to new application date.
Rate lock upon loan approval only
25 year fixed rates available - please call for rates and APRs
All products and rates are subject to additional terms and conditions. Increased rate and or additional fees may apply.
Effective Date: 01/31/2012

Conventional Adjustable Rate Mortgage Programs

Program	Rate	Points	APR	Cap	Margin	Index	Monthly Payment per $1,000
1/1 ARM	2.125%	2.00	2.543%	2 & 6	2.25%	.12%	3.76
	2.375%	1.00	2.484%	2 & 6	2.25%	.12%	3.89
	2.625%	0.00	2.427%	2 & 6	2.427%	.12%	4.02
	3.000%	NPNC***	2.455%	2 & 6	2.25%	.12%	4.22
3/1 ARM	2.250%	2.00	2.535%	2 & 6	2.25%	.12%	3.82
	2.500%	1.00	2.512%	2 & 6	2.25%	.12%	3.95
	2.750%	0.00	2.489%	2 & 6	2.25%	.12%	4.08
	3.125%	NPNC***	2.569%	2 & 6	2.25%	.12%	4.28
5/1 ARM	2.875%	2.00	2.735%	2 & 5	2.25%	.12%	4.15
	3.125%	1.00	2.743%	2 & 5	2.25%	.12%	4.28
	3.375%	0.00	2.750%	2 & 5	2.25%	.12%	4.42
	4.375%	NPNC***	3.105%	2 & 5	2.25%	.12%	4.99
7/1 ARM	3.375%	2.00	3.028%	2 & 5	2.25%	.12%	4.42
	3.625%	1.00	3.065%	2 & 5	2.25%	.12%	4.56
	3.875%	0.00	3.102%	2 & 5	2.25%	.12%	4.70
	4.250%	NPNC***	3.281%	2 & 5	2.25%	.12%	4.92
10/1 ARM	4.000%	2.00	3.577%	2 & 5	2.25%	.12%	4.77
	4.250%	1.00	3.652%	2 & 5	2.25%	.12%	4.92
	4.500%	0.00	3.728%	2 & 5	2.25%	.12%	5.07
	4.875%	NPNC***	3.973%	2 & 5	2.25%	.12%	5.29

** Owner Occupied is your primary, second or vacation home.
***No Point No Closing Cost (NPNC) programs are for purchases & refinances with a minimum loan amount of $150,000.
This program can be utilized only once a year or 12 months from date of closing to new application date.
All product and rates are subject to additional terms and conditions.
Rate lock upon loan approval only.
Effective Date: 01/31/2012

Jumbo Fixed Rate Mortgages

Program	Rate	Points	APR	Monthly Payment per $1,000
30 Year	4.250%	2.00	4.459%	4.92
	4.500%	1.00	4.624%	5.07
	4.750%	0.00	4.788%	5.22
	5.125%	NPNC***	5.164%	5.44
15 Year	3.500%	2.00	3.861%	7.15
	3.750%	1.00	3.963%	7.27
	4.000%	0.00	4.065%	7.40
	4.375%	NPNC***	4.440%	7.59
10 Year	3.375%	2.00	3.897%	9.83
	3.625%	1.00	3.932%	9.95
	3.875%	0.00	3.969%	10.07
	4.250%	NPNC***	4.344%	10.24

* Annual Percentage Rate (APR) is based on a $417,000 mortgage with a loan-to value of 80%.
** Owner Occupied is your primary, second or vacation home.
All products and rates are subjec to additional terms and conditions.
Rate lock upon loan approval only.
Effective Date: 01/31/2012

Jumbo Adjustable Rate Mortgage Programs

Program	Rate	Points	APR	Cap	Margin	Index	Monthly Payment per $1,000
1/1 ARM	2.750%	2.00	2.591%	2 & 6	2.25%	.12%	4.08
	3.000%	1.00	2.532%	2 & 6	2.25%	.12%	4.22
	3.250%	0.00	2.473%	2 & 6	2.25%	.12%	4.35
	3.625%	NPNC***	2.501%	2 & 6	2.25%	.12%	4.56
3/1 ARM	2.875%	2.00	2.672%	2 & 6	2.25%	.12%	4.15
	3.125%	1.00	2.647%	2 & 6	2.25%	.12%	4.25
	3.375%	0.00	2.623%	2 & 6	2.25%	.12%	4.42
	3.750%	NPNC***	2.704%	2 & 6	2.25%	.12%	4.63
5/1 ARM	3.500%	2.00	2.956%	2 & 5	2.25%	.12%	4.49
	3.750%	1.00	2.963%	2 & 5	2.25%	.12%	4.63
	4.000%	0.00	2.971%	2 & 5	2.25%	.12%	4.77
	4.375%	NPNC***	3.105%	2 & 5	2.25%	.12%	4.99
7/1 ARM	4.375%	2.00	3.513%	2 & 5	2.25%	.12%	4.99
	4.625%	1.00	3.551%	2 & 5	2.25%	.12%	5.14
	4.875%	0.00	3.589%	2 & 5	2.25%	.12%	5.29
	5.250%	NPNC***	3.777%	2 & 5	2.25%	.12%	5.52

* Annual Percentage Rate (APR) is based on a $417,000 mortgage with a loan-to value of 80%.
** Owner Occupied is your primary, second or vacation home.
*** No Point No Closing Cost (NPNC) programs are for purchases & refinances with a minimum loan amount of $150,000.
This program can be utilized only once a year or 12 months from date of closing to new application date.
All products and rates are subject to additional terms and conditions.
Rate lock upon loan approval only.
Effective Date: 01/31/2012

Home Equity Loans - Primary and Secondary residences only.

Home Equity Loan 80% LTV Fixed Rate

Program	Max	Rate	Max LTV	APR	Margin	Index	Monthly Payment per $1,000
Up to 5 Years	$500,000	3.990%	80%	3.990%	N/A	N/A	18.41
10 Years	$500,000	4.250%	80%	4.250%	N/A	N/A	10.24
15 Years	$500,000	4.750%	80%	4.750%	N/A	N/A	7.78

The APR is an estimate and could be higher, based on the date of closing and the number of days interest collected at consummation.
Effective Date: 01/31/2012

Home Equity Lines of Credit (Adjustable Rate)

Program	Max	Intro Rate	Max LTV	APR as low as	Margin	Index
Prime 80% LTV	$500,000	3.250%	80%	3.250%	VARIES	3.25%
		Wall Street Journal Prime Rate

Minimum Home Equity amount is $10,000. Maximum interest rate for Home Equity Lines of Credit is 18.00%.
. The maximum annual percentage rate that can apply is 18%. There is an appraisal fee for loan applications over $250,000 which can range from $305 - $580. The interest rate is based on the Wall Street Journal Prime Rate and may vary monthly. An early termination fee may apply if closed within the first 12 months. Must meet eligibility quidelines.
Effective Date: 01/31/2012

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