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Home Loans
 

CAN'T GET ANYONE TO LISTEN
TO YOUR MORTGAGE RE-FI
REQUEST?

If you plan to stay in your home...and, you've got a solid credit rating...
Call us and we'll listen...
We may be able to help with a fixed rate 1st mortgage

559-227-8329 x118 Ask For our Mortgage Specialist!!!

FIRST MORTGAGE

Let United Local take the confusion out of buying or refinancing your home. Call our mortgage specialists and let them assist you with a program that is right for you.

HOME EQUITY LOANS

Call United Local to take advantage of your home's equity to put in a pool, send your kids to college or consolidate some bills. You may even be able to deduct the interest on your taxes. What a great way to save even more.

HOME EQUITY LINE OF CREDIT (HELOC)

A convenient way to access the equity in your home to remodel or add a room. With Unitd Local's competitive, variable rate equity line of credit, you can use the money as you need it, whatever you need it for.

CALL OUR MORTGAGE SPECIALIST AT (559) 227-8329 EXT 118


Apply online using our Online Mortgage Loan Application
Are you Worried About Your Mortgage?


Rates are provided to United Local Credit Union members on a daily basis. Rates are current as of 10:00am daily. These rates are for informational purposes only and are subject to change without notice. Please call 559-227-8329 x118 for current rates.

Real Estate Loans - Conventional 1st Trust Deeds
Owner Occupied Rate Points APR*
13 year term fixed Call Call Call
All rates 5 year call Call Call Call
- - - - - - - - - - - -
30 year term fixed Market Rate Call Call
All rates 5 year call Call Call Call
- - - - - - - - - - - -
* APR = Annual Percentage Rate
** 5 year call option - United Local Credit Union has the right ot call this loan due on the 5th Anniversary of the loan

For 35 and 40 year first mortgage loans please call for rates.

Real Estate Loans - Conventional 2nd Trust Deeds
Owner Occupied Rate Points APR*
15 year term fixed Call Call Call
All rates 5 year call Call Call Call
- - - - - - - - - - - -
20 year term fixed Call Call Call
25 year term fixed Call Call Call
* APR = Annual Percentage Rate
** 5 year call option - United Local Credit Union has the right to call this loan due on the 5th Anniversary of the loan.

The rates listed above are for informational purposes only. No rate is guaranteed without a valid rate lock. Not all borrowers will qualify for all rates. Rates and terms are subject to change without notice. The rates listed are limited to owner occupied, one to four family units, located in the State of California. Maximum loan amount is $417,000 for first and second fixed rate mortgages.


Lock-In Date

APR* Effective Date and Lock-In
The APR* in effect on the date the credit committee approves a real estate loan shall be locked in for a period not to exceed 45 days.

Fees

Effective March 2010 
May be subject to a loan application fee and typical closing costs.

Minimum Payment Examples

If you took a single $10,000.00 advance and the ANNUAL PERCENTAGE RATE was 7.00% (and did not change):

Under the 1.50% of the highest historic balance payment formula during the Draw Period, you would make eighty-four monthly payments of $150.00. At the end of the Draw Period, you would still owe a balance of $234.57. This balance would be paid in full during the Repayment Period. If the same 9.00% ANNUAL PERCENTAGE RATE applied during the Repayment Period, you would then make one monthly payment of $150.00 and one final payment of $86.57.

 







Equal Housing LenderNCUA