Effective as of August 1, 2025
RESIDENTIAL MORTGAGE LOAN RATES
| Loan Type | Term | Annual Percentage Rates | Monthly Payment Per $1,000 Borrowed for the first term payments based on Initial Rate | Monthly Payment Per $1,000 Borrowed for the remaining payments based on 30 year Amortization and Current Rate | |
|---|---|---|---|---|---|
| Mortgage Adjustable | 2 Year | 5.90% | 1, 2, 3 | $5.94 | $5.94 |
| Mortgage Adjustable | 5 Year | 5.95% | 1, 2, 3 | $5.97 | $5.97 |
| Mortgage Adjustable | 8 Year | 6.50% | 1, 2, 3 | $6.33 | $6.33 |
| Mortgage Fixed | 5 Year | 5.95% | 1, 2 | $19.32 | $5.97 |
| Mortgage Fixed | 10 Year | 6.00% | 1, 2 | $11.11 | $6.00 |
| Mortgage Fixed | 15 Year | 6.03% | 1, 2 | $8.46 | $6.02 |
| Mortgage Fixed | 20 Year | 6.55% | 1, 2 | $7.50 | $6.36 |
| Mortgage Fixed | 30 Year | 6.63% | 1, 2 | $6.41 | $6.41 |
Adjustable and fixed jumbo loans over $1,209,750 available. Subject to 0.15%-0.25% rate increase or 0.25 points paid at closing. *15-year maturity limit on loans for 1-4 family dwelling that is NOT or will NOT be the principal residence. Non-owner occupied 1-4 family properties are subject to a rate increase up to 2.00%.
- Notes can be refinanced/modified and amortized up to 30 years
- Mortgages available for:
- Refinance or purchase
- New York, New Jersey and Florida (contact us about other states).
- 1-4 family owner occupied
- Vacation
- Secondary residence
- Vacant land for new home
- Up to 80% of value
- Coop up to 75% of value, and
- Condo up to 75% of value
- Rates and terms are based on Consumers FCU posted rates Notes can be refinanced/modified not to exceed 15 year term and amortized up to 30 years
*Borrowers with negative credit, including but not limited to: late payments, collection accounts, judgments, charge-offs and bankruptcies (within 2 years) are subject to a 2.00% increase on the current interest rate listed.
**Refinance of credit union loans to only lower interest rate, require 1.50 points and a $250.00 fee
NMLS Information
- Consumers Federal Credit Union #489381
- Stephen Jacoby #875551
- Ryan Jacoby #2185984
- Salma Masum #994784
- Sarah Sakmann #2245576
- Monika Kania #741452
Would you like to estimate the payments on any of these loans? Our loan calculator can help you with the numbers.