Family First FCU | Mortgage Rates





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Rates

Why a Family First Mortgage?
Applying for a mortgage loan at Family First is quick, easy, and hassle-free. That's because when you do business with your credit union, you get friendly, down-home service from professionals who won't leave you in the dark or push you too fast. Our in-house Mortgage professionals offer the peace of mind and comfort you simply won't find at other financial institutions--and great rates too. You'll appreciate doing business with people you can trust.

Discover how easy getting a mortgage can be. Stop by or contact our Call Center at (585) 586-8225 or toll free at (800) 356-1101 for an appointment.

Mortgage Rates Effective October 10 2008 (Subject to change daily.)
Fixed Rate Mortgage	Interest Rate	Points
30 Year Fixed	6.500%	0 Points
20 Year Fixed	6.500%	0 Points
15 Year Fixed	6.125%	0 Points
10 Year Fixed	6.125%	0 Points

Adjustable Rate Mortgage	Interest Rate	Points
1/1 ARM	4.500%	0 Points
3/1 ARM	6.250%	0 Points
5/1 ARM	6.875%	0 Points
7/1 ARM	7.000%	0 Points
10/1 ARM	7.250%	0 Points

No Closing Cost Mortgage
20 and 30 Year Fixed		10 and 15 Year Fixed
Loan Size	Interest Rate	Loan Size	Interest Rate
Less than $40,000	8.125%	Less than $40,000	7.625%
$40,001-$70,000	7.375%	$40,001-$70,000	7.125%
$70,000-$140,000	7.125%	$70,000-$100,000	7.000%
$140,000-$200,000	7.000%	$100,001-$200,000	6.750%
$200,001-$333,700	6.875%	$200,001-$333,700	6.625%

Get Pre-qualified before you go house hunting!

New Refinance Option: Be Mortgage-Free in 5 Years!

Have you been considering refinancing your home but didn't want to pay all those closing costs? Well, if you owe between $20,000 - $100,000 on your current mortgage, our new 5 Year Mortgage product may be just the solution you were looking for.

Low closing costs and a fixed rate of 6.125% APR or 5.99% APR with direct deposit. See payment estimates below, payments based on 5.99%.

If you owe...	$20,000	$25,000	$50,000	$75,000	$100,000
Annual Percentage Rate (APR)	5.990% Fixed	5.990% Fixed	5.990% Fixed	5.990% Fixed	5.990% Fixed
Your Monthly Payment	$387.00	$483.00	$966.00	$1,450.00	1,933.00

Just one week from application to closing. A small application fee of $250 gets the process started. Call our office for more information or to get your application started. Closing costs include: Recording fee: $115(e); Mortgage Tax: .75% per $10K balance. Cash out options are available.

Other rates and points are available upon request. Rates are subject to change daily. For more information or to get pre-qualified, contact us at (585) 586-8225 or toll free at (800) 356-1101.


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