First Time Home Buyer

Rates as of Thursday, November 15, 2018

Interest RateAPRFully Indexed RatePayment per $1,000PaymentsApply
12/1 Year ARM 30 Year Term FTHB*
3.875%4.423%5.535%$4.70Show Payments
30 Year Fixed Rate FTHB**
4.500%4.561%5.535%$5.07Show Payments


(Cost per thousand does not include RE taxes & insurance premiums & the actual payment may increase. Rate may increase after consummation for the adjustable rate mortgages).


*APR= Annual Percentage Rate and assumes $100,000 mortgage and a 3% minimum down payment. Maximum Loan-to-Value (LTV) is 97%. Private Mortgage Insurance (PMI) required if the down payment is less than 20%. Homeowners Insurance and Flood Insurance (if applicable) are required. Maximum loan amount is $453,100. Adjustable Rate Mortgages use the current index of 2.73 and caps of 2% and 6%. No income limits apply. The credit union will pay the appraisal fee up to $485. At least one borrower must complete the online Homebuyer Education Program and at least one borrower may not have owned another home within the last 3 years. Eligible properties are owner occupied single family or a warrantable condominium.


**APR= Annual Percentage Rate and assumes $100,000 mortgage and a 3% minimum down payment. Maximum Loan-to-Value (LTV) is 97%. Private Mortgage Insurance (PMI) required if the down payment is less than 20%. Homeowners Insurance and Flood Insurance (if applicable) are required. Maximum loan amount is $453,100. No income limits apply. The credit union will pay the appraisal fee up to $485. At least one borrower must complete the online Homebuyer Education Program and at least one borrower may not have owned another home within the last 3 years. Eligible properties are owner occupied single family or a warrantable condominium. All loans are subject to PNCU, underwriting guidelines and property approval.




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Call 866.592.7628 for more information.

Polish National Credit Union
NMLS# 439259