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Lending Rates

NMLS#458729

Effective since May 17, 2024

Mortgage Loan

Existing Dwelling / Single-Family Owner-Occupied

Fixed Rate Purchase Terms
(in Years)

Down Payment EquityRateAnnual Percentage Rate
(APR)
5

20%

6.55% 6.754%
10 20% 6.55% 6.67%

15

20% 6.55% 6.634%
20 20% 6.75% 6.822%
25 20% 6.95% 7.01%
30 20% 6.95% 7.01%
  • Above APR's assume a $100,000 loan amount for the term stated.
    • Monthly payment example: 360 monthly payments of $6.61 per $1,000 borrowed at 7.01% 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

6.15%

6.234%
5 6.30% 6.348%

10

6.55% 6.586%
15 6.75% 6.774%
  • Above APR's assume a $100,000 loan amount for the term stated.
    • Monthly payment example: 180 monthly payments of $8.84 per $1,000 borrowed at 6.774% 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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