Rates

Disclosure:

APR= Annual Percentage Rate 
LTV=Loan-To-Value
Loan must meet secondary market guidelines, please see additional disclosures below.
Loan-to-value over 80% requires private mortgage insurance.
Please keep in mind that the actual rates offered may be adjusted based on your credit history and other factors that could impact our actual rate. This may result in a lower or higher rate than our published rate. Rates displayed assume a 60% loan-to-value, purchase of a single family residence, and a Fico Score over 740. All other loan scenarios will be priced through your Align Credit Union Loan Officer. Please contact your loan officer for additional information. Payment example is based on a loan amount of $100,000.00. Fees may increase based on credit score, down payment, purpose of loan, subordinate financing and property type. Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.

**For example, on a $10,000, 30 year loan with an initial interest rate of 2.250% the maximum amount the  interest rate can rise under this program is 6.00 percentage points to 8.250% and the monthly payment can rise from an initial payment of $38.22 to a maximum of $75.13 in the 109th month. To see what your payments would be, divide your mortgage amount by $10,000, then multiply the monthly payment by that amount. For example, the monthly payment for a mortgage amount of $60,000, using the initial interest rate shown above would be: $60,000 /$10,000 = 6; 6 x 38.22 = $229.32 per month. (Margin 2.75, Floor Rate 3.00%, 2/2/6% Caps, used the 3 year CMT Index)

***For example, on a $10,000, 30 year loan with an initial interest rate of 2.500% the maximum amount the interest rate can rise under this program is 6.00 percentage points to 8.500% and the monthly payment can rise from an initial payment of $39.51 to a maximum of $76.89 in the 85th month. To see what your payments would be, divide your mortgage amount by $10,000, then multiply the monthly payment by that amount. For example, the monthly payment for a mortgage amount of $60,000, using the initial interest rate shown above would be: $60,000 /$10,000 = 6; 6 x 39.51 = $237.06 per month. (Margin 2.75, Floor Rate 3.00%, 2/2/6% Caps, used the 1 year CMT Index)

**For example, on a $10,000, 30 year loan with an initial interest rate of 2.375% the maximum amount the interest rate can rise under this program is 6.00 percentage points to 8.375% and the monthly payment can rise from an initial payment of $38.87 to a maximum of $76.01 in the 85th month. To see what your payments would be, divide your mortgage amount by $10,000, then multiply the monthly payment by that amount. For example, the monthly payment for a mortgage amount of $60,000, using the initial interest rate shown above would be: $60,000 /$10,000 = 6; 6 x 38.87 = $233.22 per month. (Margin 2.75, Floor Rate 3.00%, 2/2/6% Caps,used the 3 year CMT Index)

***For example, on a $10,000, 30 year loan with an initial interest rate of 2.625% the maximum amount the interest rate can rise under this program is 6.00 percentage points to 8.625% and the monthly payment can rise from an initial payment of $40.17 to a maximum of $77.78 in the 85th month. To see what your payments would be, divide your mortgage amount by $10,000, then multiply the monthly payment by that amount. For example, the monthly payment for a mortgage amount of $60,000, using the initial interest rate shown above would be: $60,000 /$10,000 = 6; 6 x 40.17 = $241.02 per month. (Margin 2.75, Floor Rate 3.00%, 2/2/6% Caps, used the 1 year CMT Index)