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  Fixed and adjustable-rate options*
 
  Highly-competitive rates

  Fast turnaround and low closing costs
 
  Jumbo mortgages up to $3 million
 
 
 
Fixed Rate Mortgages
  • Non-variable rate options from 10 to 30 years
  • No-point options
  • Loans offered on Primary and Secondary residences1 (single-Family, Co-Ops, Condos, and Townhouses)
Ideal if:
  • You want the security and peace of mind of a fixed rate that won't change for 10 to 30 years.
  • You want your monthly principal and interest payments to remain the same for the life of the loan.
  • You plan on keeping your mortgage for an extended period of time.
     
Adjustable-Rate Mortgages
  • Interest rates typically lower than non-variable rate mortgages
  • Rate remains the same for an initial period, then adjusts each year for the remainder of the term
  • Take up to 30-years to repay
Ideal if:
  • You don't plan on staying in your home for more than 7-10 years.
  • You would prefer a lower rate and monthly payments in the next 1-7 years and accept that your rate will vary after that period.
  • You want the most affordable way to finance your new or existing home

FHA Financing

  • Insured by the Federal Housing Administration
  • Felxible qualifying criteria
  • Down payments as low as 3.5% of the home's purchase price
Ideal if:
  • You have limited cash for a down payment
  • You have little formal credit history
  • You have less than perfect credit

Mortgage Calculators

 

 

*Loans are available to Credit Union members in good standing with at least $5 in the share savings account.. Other terms and conditions may apply. Non-members may join the credit union with a $15 deposit - $5 goes into your savings account to establish membership, and the remaining $10 is a tax-deductible contribution (consult your tax advisor) to our non-profit organization, The VOICE Foundation. The credit union makes loans without regard to race, color, religion, natural origin, sex, handicap or familial status.
**Primary or Secondary residences must be owner-occupied or a vacation home, not an investment property.
1The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $320,000 and an estimated property value of $400,000. The property is located in East Windsor, NJ and is within Mercer 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 60 days and the assumed credit score is 740.  Rates are subject to change at any time.  Your rate and monthly payment may vary based individual loan qualifications.
 

Questions? Ask McClever.

  • 1-800-226-6428 |
  • Routing Number: 226077943 |
  • NMLS# 407684
  • FDIC
  • Equal Housing Lender
  • Equal Opportunity Lender
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