Conforming Fixed-rate Mortgages

APR=Annual Percentage Rate. Rates and terms as of 12/06/2023 based on credit history, subject to credit approval, and subject to change without notice. Loans over 80% LTV require mortgage insurance. Payment examples do not include property insurance and taxes, and the payment will be higher than disclosed payments. Loans are available for second homes and investment properties in CA at different rates and terms. Membership and credit subject to approval. Serving everyone who lives or works in San Diego or Riverside counties. A one-time $5 membership fee and savings account required. Restrictions apply.  

1. 30-year, fixed-rate with an interest rate of 8.625%, APR 9.046% and monthly payments of $5,416.13 inclusive of mortgage insurance if required. This does not include property insurance or taxes and assumes a home purchase for a property valued $700,000, 95% LTV, single family, owner-occupied, credit score 740+.
2. Closing costs paid by the lender include title search, escrow, credit report, tax service, and similar non-recurring fees. You are responsible for property taxes, insurance, homeowner association dues, and for purchases, down payment, transfer taxes, and owner's title policy.

3. 30-Year Conforming fixed-rate estimated monthly payments.