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Lending Rates

NMLS#458729

Effective November 18, 2022

Mortgage Loan

Existing Dwelling / Single-Family Owner-Occupied

Fixed Rate Purchase Terms
(in Years)

Down Payment EquityRateAnnual Percentage Rate
(APR)
5

20%

6.00% 6.204%
10 20% 6.00% 6.108%

15

20% 6.00% 6.084%
20 20% 6.25% 6.322%
25 20% 6.50% 6.56%
30 20% 6.50% 6.548%
  • Above APR's assume a $100,000 loan amount for the term stated.
    • Monthly payment example: 360 monthly payments of $6.32 per $1,000 borrowed at 6.548% APR.
  • Outstanding mortgage lien balances will be used in calculations.
  • Above payment example does not include payment for escrow account (taxes, insurance, etc.) that may be part of your transaction.
  • Interest may be tax-deductible; please consult your tax advisor.
  • Loan approval subject to First Federal's Loan Underwriting Guidelines.
  • If down payment is less than 20%, Private Mortgage Insurance will be required, which will increase the APR.
  • Please contact your local branch office for details.
  • All rates are subject to change without further notice. 

Fixed Rate Closed-End Home Equity Loan

Existing Dwelling / Single-Family Owner-Occupied

Fixed Rate Closed-End Home Equity Terms
(in Years)

RateAnnual Percentage Rate
(APR)
3

5.25%

5.334%
5 5.45% 5.498%

10

5.50% 5.536%
15 5.60% 5.624%
  • Above APR's assume a $100,000 loan amount for the term stated.
    • Monthly payment example: 180 monthly payments of $8.22 per $1,000 borrowed at 5.624% APR.
  • Outstanding mortgage lien balances will be used in calculations.
  • Interest may be tax-deductible; please consult your tax advisor.
  • Loan approval subject to First Federal’s Loan Underwriting Guidelines.
  • Please contact your local branch office for details.
  • All rates are subject to change without further notice 

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