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Mortgage Rates

Mortgage Rates

Check out our Fixed and Adjustable mortgage rates.

Rates and APRs noted above are subject to change without notice.

Fixed Rate Mortgages:
Some state and county maximum loan amount restrictions may apply. The rates offered assume excellent credit. The lock period for your rate is 60 days. Your APR will vary based on your final loan amount and finance charges. Rate and APR may be adjusted based on several factors including but not limited to loan amount, documentation type, loan type, occupancy type, property type, loan to value and your credit score.

The payment examples below do not include taxes and insurance premiums. The actual payment amount will be greater. Rates and annual percentage rates (APR) in these examples were in effect on 09/17/2015.

30-Year:The payment on a $500,000.00 30-year Fixed-Rate Loan at 4.125% and 80% loan-to-value (LTV) is $2423.25. The Annual Percentage Rate (APR) is 4.160%.

20-Year: The payment on a $500,000.00 20-year Fixed-Rate Loan at 3.75% and 80% loan-to-value (LTV) is $2964.44. The Annual Percentage Rate (APR) is 3.797%.

15-Year: : The payment on a $500,000.00 15-year Fixed-Rate Loan at 2.875% and 80% loan-to-value (LTV) is $3,422.93. The Annual Percentage Rate (APR) is 2.934%.

10-Year Fixed Rate: TThe payment on a $500,000.00 10-year Fixed-Rate Loan at 2.750% and 80% loan-to-value (LTV) is $4,770.55. The Annual Percentage Rate (APR) is 2.836%.

Adjustable Rate Mortgages (ARMs):

The Annual Percentage Rate (APR), interest rate and principal and interest payment are subject to increase and will change at the time of adjustment. ARM rates are based on the 1-year LIBOR and our margin of 2.25%. Members will be notified 30 days prior to rate change. Floor rate is 2.25%. Your APR will vary based on your final loan amount and finance charges. Rate and APR may be adjusted based on several factors including but not limited to loan amount, documentation type, loan type, occupancy type, property type, loan to value and your credit score.

All repayment examples shown below use rates in effect on 9/17/15.

1/1 ARM: For a loan of $500,000, assuming a 80% Loan to Value and zero points, the monthly principal and interest payment on a 1/1 ARM loan program with an interest rate of 2.875% and an Annual Percentage Rate of 3.137% would be $2,074.46.

3/1 ARM: For a loan of $500,000, assuming a 80% Loan to Value and zero points, the monthly principal and interest payment on a 3/1 ARM loan program with an interest rate of 3.125% and an Annual Percentage Rate of 3.158% would be $2,141.88.

7/1 ARM Rate: For a loan of $500,000, assuming a 80% Loan to Value and zero points, the monthly principal and interest payment on a 7/1 ARM loan program with an interest rate of 2.875% and an Annual Percentage Rate of 3.042% would be $2,074.46.

5/1 ARM: For a loan of $500,000, assuming a 80% Loan to Value and zero points, the monthly principal and interest payment on a 5/1 ARM loan program with an interest rate of 2.875% and an Annual Percentage Rate of 3.070% would be $2,074.46.

10/1 ARM: For a loan of $500,000, assuming a 80% Loan to Value and zero points, the monthly principal and interest payment on a 10/1 ARM loan program with an interest rate of 3.875% and an Annual Percentage Rate of 3.622% would be $2,351.19.

Features & Benefits

Features & Benefits

A mortgage you’ll be happy with.

  • Fixed and adjustable rate mortgages with 10- to 30-year terms
  • Some of the lowest rates in the market
  • Low, straightforward fees
  • Zero points for purchase or refinance available
  • Fast closing (45- to 60-day closing)
  • Free online pre-approvals
  • Free mortgage consultation
  • Extensive online mortgage calculators and resources

Call (855) 436-3588 to request a quote.

How It Works

How It Works

Here’s what you can expect in the process.

  • Online Application – We’ll ask you questions about the home you plan to purchase, your finances, and other pertinent details about you. It takes less than 20 minutes. Once you finish the online application, you’ll either get pre-approved or referred. If you get referred, it simply means we need a little more time to review your request.
  • Personal Service – After you complete the application, a Loan Officer will contact you and work with you to ensure your loan gets approved and entered into processing right away. Upon approval, a Loan Processor will guide you through the rest of the mortgage process and will be with you every step of the way.
  • Straightforward Fees – We’re proud to say, our mortgage fees are low and straightforward. Click here to view our fees.
  • The Paperwork – We know it can be daunting, but we will guide you and work with you to satisfy your loan conditions.
  • Closing – After your loan conditions are satisfied and the appraisal and title insurance are obtained, we’ll contact your attorney or title agent to schedule your loan closing.
  • Final Steps – A few days before closing, we will walk you through the final information.

Need more details? Click here or call (855) 436-3588 for assistance.

About Quorum

About Quorum

Here’s why you should choose Quorum.

  • We’ve been helping people like you become happy homeowners for over 80 years. We’re proud to be the credit union for well-known companies such as The Kraft Heinz Company, Avon, Ogilvy, and Mondelez.
  • As a not-for-profit company, we’re able return profits to you in the form of low rates and personalized service.
  • With attractive purchase and refinance options, advanced mortgage tools and helpful mortgage experts, you can be sure you’ll get the mortgage that’s right for you.
  • Our customers are almost two times more likely to recommend Quorum to a friend than customers at other financial institutions.*

Not yet a Quorum member? Call (855) 436-3588 for assistance.

 

1Data from “Net Promoter(c) U.S. Consumer Benchmarks 2013” by Satmetrix and “Quorum Federal Credit Union ForeSee Customer Experience Data, 2013.”

Mortgage Rates

Check out our Fixed and Adjustable mortgage rates.

Rates and APRs noted above are subject to change without notice.

Fixed Rate Mortgages:
Some state and county maximum loan amount restrictions may apply. The rates offered assume excellent credit. The lock period for your rate is 60 days. Your APR will vary based on your final loan amount and finance charges. Rate and APR may be adjusted based on several factors including but not limited to loan amount, documentation type, loan type, occupancy type, property type, loan to value and your credit score.

The payment examples below do not include taxes and insurance premiums. The actual payment amount will be greater. Rates and annual percentage rates (APR) in these examples were in effect on 09/17/2015.

30-Year:The payment on a $500,000.00 30-year Fixed-Rate Loan at 4.125% and 80% loan-to-value (LTV) is $2423.25. The Annual Percentage Rate (APR) is 4.160%.

20-Year: The payment on a $500,000.00 20-year Fixed-Rate Loan at 3.75% and 80% loan-to-value (LTV) is $2964.44. The Annual Percentage Rate (APR) is 3.797%.

15-Year: : The payment on a $500,000.00 15-year Fixed-Rate Loan at 2.875% and 80% loan-to-value (LTV) is $3,422.93. The Annual Percentage Rate (APR) is 2.934%.

10-Year Fixed Rate: TThe payment on a $500,000.00 10-year Fixed-Rate Loan at 2.750% and 80% loan-to-value (LTV) is $4,770.55. The Annual Percentage Rate (APR) is 2.836%.

Adjustable Rate Mortgages (ARMs):

The Annual Percentage Rate (APR), interest rate and principal and interest payment are subject to increase and will change at the time of adjustment. ARM rates are based on the 1-year LIBOR and our margin of 2.25%. Members will be notified 30 days prior to rate change. Floor rate is 2.25%. Your APR will vary based on your final loan amount and finance charges. Rate and APR may be adjusted based on several factors including but not limited to loan amount, documentation type, loan type, occupancy type, property type, loan to value and your credit score.

All repayment examples shown below use rates in effect on 9/17/15.

1/1 ARM: For a loan of $500,000, assuming a 80% Loan to Value and zero points, the monthly principal and interest payment on a 1/1 ARM loan program with an interest rate of 2.875% and an Annual Percentage Rate of 3.137% would be $2,074.46.

3/1 ARM: For a loan of $500,000, assuming a 80% Loan to Value and zero points, the monthly principal and interest payment on a 3/1 ARM loan program with an interest rate of 3.125% and an Annual Percentage Rate of 3.158% would be $2,141.88.

7/1 ARM Rate: For a loan of $500,000, assuming a 80% Loan to Value and zero points, the monthly principal and interest payment on a 7/1 ARM loan program with an interest rate of 2.875% and an Annual Percentage Rate of 3.042% would be $2,074.46.

5/1 ARM: For a loan of $500,000, assuming a 80% Loan to Value and zero points, the monthly principal and interest payment on a 5/1 ARM loan program with an interest rate of 2.875% and an Annual Percentage Rate of 3.070% would be $2,074.46.

10/1 ARM: For a loan of $500,000, assuming a 80% Loan to Value and zero points, the monthly principal and interest payment on a 10/1 ARM loan program with an interest rate of 3.875% and an Annual Percentage Rate of 3.622% would be $2,351.19.

Features & Benefits

A mortgage you’ll be happy with.

  • Fixed and adjustable rate mortgages with 10- to 30-year terms
  • Some of the lowest rates in the market
  • Low, straightforward fees
  • Zero points for purchase or refinance available
  • Fast closing (45- to 60-day closing)
  • Free online pre-approvals
  • Free mortgage consultation
  • Extensive online mortgage calculators and resources

Call (855) 436-3588 to request a quote.

How It Works

Here’s what you can expect in the process.

  • Online Application – We’ll ask you questions about the home you plan to purchase, your finances, and other pertinent details about you. It takes less than 20 minutes. Once you finish the online application, you’ll either get pre-approved or referred. If you get referred, it simply means we need a little more time to review your request.
  • Personal Service – After you complete the application, a Loan Officer will contact you and work with you to ensure your loan gets approved and entered into processing right away. Upon approval, a Loan Processor will guide you through the rest of the mortgage process and will be with you every step of the way.
  • Straightforward Fees – We’re proud to say, our mortgage fees are low and straightforward. Click here to view our fees.
  • The Paperwork – We know it can be daunting, but we will guide you and work with you to satisfy your loan conditions.
  • Closing – After your loan conditions are satisfied and the appraisal and title insurance are obtained, we’ll contact your attorney or title agent to schedule your loan closing.
  • Final Steps – A few days before closing, we will walk you through the final information.

Need more details? Click here or call (855) 436-3588 for assistance.

About Quorum

Here’s why you should choose Quorum.

  • We’ve been helping people like you become happy homeowners for over 80 years. We’re proud to be the credit union for well-known companies such as The Kraft Heinz Company, Avon, Ogilvy, and Mondelez.
  • As a not-for-profit company, we’re able return profits to you in the form of low rates and personalized service.
  • With attractive purchase and refinance options, advanced mortgage tools and helpful mortgage experts, you can be sure you’ll get the mortgage that’s right for you.
  • Our customers are almost two times more likely to recommend Quorum to a friend than customers at other financial institutions.*

Not yet a Quorum member? Call (855) 436-3588 for assistance.

 

1Data from “Net Promoter(c) U.S. Consumer Benchmarks 2013” by Satmetrix and “Quorum Federal Credit Union ForeSee Customer Experience Data, 2013.”