Current Rates
Home Mortgage Loans
30 Year Fixed Rate
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20 Year Fixed Rate
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15 Year Fixed Rate
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10 Year Fixed Rate
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30 Year 5/1ARM 2
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Call for Mortgage Pre-Qualification
Mortgage Loan Originators
Michael Kelley 413-636-4053 NMLS#531261
1Annual Percentage Rate (APR) based on $100,000 loan amount and 20% down payment. Rates apply to owner occupied primary residence, single family purchase and rate/term refinances. Minimum 740 credit score. 45 Day
Rate Lock. Must meet all Arrha underwriting guidelines and have auto-pay from Arrha Credit Union checking account. Maximum Loan Amount $726,200 for 1 unit. Rates subject to change without notice.
Non-Owner Occupied (15 YR MAX TERM)
To 75.00% LTV – Add 1.5 to rate
Escrow waiver: Primary residence or second home only. LTV<70.00%, and must meet credit and reserve requirements.
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* Adequate homeowner's insurance coverage is a requirement on all mortgage products. Flood insurance may be required. Payments do not include taxes and insurance. Payments will be higher with the addition of taxes and insurance.
Home Equity Line of Credit
APR*
HELOC Special*
3.99%
Fixed for the first 12 months then adjusts to Prime
**HELOC Special - For the first 12 Months the Annual Percentage Rate (APR) will be 3.99%; then will adjust to the highest Prime Rate published in the Wall Street Journal on the last business day of the month. The rate is variable and will be subject to change monthly, maximum rate of 18%. Mininum Annual Rate of 4.00%. Minimum loan $20,000.00 with a maximum line of $250,000.00. Minimum darw at closing is $20,000.00. The term is a 10 year draw, 10 year repayment. This offer is subject o change without notice. There is an early termination fee of $400.00 if paid off and closed in the first 36 months. Membership is required. This offer is valid on new Home Equity Lines of Credit only (no refinance of current Arrha Credit Union Home Equity Lines of Credit). Other terms and conditions may apply as governed by Arrha Credit Union.
Prime Rate Line of Credit*
7.50%
Prime Rate -.25% for Life
*Prime Rate Line of Credit - Variable rate loan. The rate can change monthly based upon the current WSJ Prime Rate minus one-quarter of onepercent (.25%). Maximum Annual Percentage Rate of 18.0%, Minimum Annual Percentage Rate of 4.0%. Minimum Loan $10,000; Maximum Loan$250,000. The term is a 10 year draw, 20 year repayment. There is an early termination fee of $400.00 if paid off and closed in the first 36 months. Other terms and conditions may apply as governed by Arrha Credit Union Lending policy, subject to change without notice.
WSJ Prime as of date of this rate sheet 7.75%
Applies to Owner Occupied 1-4 Family Properties up to 80% LTV.
Home Equity Fixed Rate and Term - Up to 80% LTV**
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We do business in accordance with the Federal Fair Housing Law and Equal Opportunity Act
*Annual Percentage Rate
Adequate homeowner's insurance is required to be maintained as a condition of all equity loans and flood insurance may be required (if applicable) prior to closing.
1. Paid closing costs do not include the cost of discharging a current mortgage.