Columbia Credit Union - Home Lending - Mortgage Rates - Vancouver and Clark County, Washington

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Mortgage Rates

How much would your monthly payment be with today's mortgage rates? In seconds online, you can calculate monthly loan payments and closing costs, compare mortgage options and print a good faith estimate.

Effective Date: October 3, 2008 9:09 AM| Print Version

First Mortgage Loans, Purchase or Refinance, Primary Residence

Term

Loan Amounts*

Note Rate*

Loan Fee

APR

Conforming* 40 Year
Fixed Rate

FNMA Conforming
< $417,000

7.000%

6.875%

6.750%

0.375%

0.625%

1.000%

7.16%

7.05%

6.97%

Conforming* 30 Year
Fixed Rate

FNMA Conforming
< $417,000

6.250%

6.125%

6.000%

0.000%

0.500%

1.000%

6.36%

6.28%

6.20%

Conforming* 20 Year
Fixed Rate

FNMA Conforming
< $417,000

6.250%

6.125%

6.000%

0.000%

0.500%

1.000%

6.40%

6.33%

6.27%

Conforming* 15 Year
Fixed Rate

FNMA Conforming
< $417,000

5.875%

5.750%

5.625%

0.125%

0.500%

1.000%

6.07%

6.01%

5.96%

Conforming* 10 Year
Fixed Rate

FNMA Conforming
< $417,000

5.875%

5.750%

5.625%

0.125%

0.500%

1.000%

6.16%

6.11%

6.10%

Conforming* 30 Yr with 15 Yr Balloon
Fixed Rate Loans

FNMA Conforming <$417,000

5.875%

5.750%

0.500%

1.000%

6.06%

5.99%

Jumbo 30 Yr with 15 Yr Balloon
Fixed Rate Loans

30 Year >$417,000

6.500%

6.250%

0.500%

1.000%

6.63%

6.44%

Jumbo 15 Year
Fixed Rate Loans

15 Year >$417,000

6.375%

6.125%

0.500%

1.000%

6.56%

6.38%

Conforming* 30 Year
3/1 ARM (Variable,
fixed for first 3 years)

FNMA Conforming
< $417,000

5.750%

5.500%

5.125%

0.000%

0.500%

1.000%

4.83%

4.81%

4.76%

Conforming* 30 Year
5/1 ARM (Variable,
fixed for first 5 years)

FNMA Conforming
< $417,000

6.250%

6.000%

5.750%

0.000%

0.500%

1.000%

5.21%

5.16%

5.11%

*NOTE: Conforming prices quoted are for conforming (<$417,000) loans. For jumbo loans (>$417,000), please see the jumbo pricing category. Other adjustments may apply, based on loan to value and other factors. Rates quoted are for Primary Residence (owner occupied) loans. Rates and fees are different for Second Homes & Investment properties. Please consult with a CCU Loan Officer for a rate quote designed specifically to meet your needs. We can help you choose the mortgage that's right for you.

Lot / Land Loans
Loan Type	Term	LTV	Note Rate*
Lot Loan	25 year amortization / 1/3/5 year Call - Fixed Rate	75%	Rates starting at 6.75% - 7.75%

Custom Construction Loans
Loan Type	LTV	Note Rate*	Loan Fee	APR
Custom Construction 5/1 ARM (Variable)	up to 95%	5.750%	1.500%	5.29%
Custom Contruction Conforming* 30 Yr with 15 Yr Balloon (Fixed Rate Loans)	up to 95%	6.000%	1.500%	6.48%

No Mortgage Insurance Program

Loan Type

Term

LTV

Note Rate*

Loan Fee

APR

Conforming 7/1ARM (Variable, fixed for first 7 years)

30 Year <$417,000

30 Year >$417,000

up to 90%

6.000%

1.000%

5.27%

Conforming 7/1ARM (Variable, fixed for first 7 years)

30 Year <$417,000

30 Year >$417,000

up to 95%

6.125%

1.000%

5.45%

*NOTE: For Jumbo Custom Construction Loans and no MI loans (>$417,000), please add .50% to rate. Other adjustments may apply. Please consult with a CCU Loan Officer.

Rate Information

Rates quoted as of the date and time indicated above, are subject to change, with the markets, without notice. Example repayment terms for a 15 year fixed rate First Mortgage loan of $150,000 at a rate of 6.250%: 180 monthly P & I payments of $1286.13. Again, rates change often, and Columbia Credit Union will confirm rates for you at time of application.