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With our competitive rates and the freedom to refinance at any time, our Adjustable-Rate Mortgage (ARM) may be a more affordable option to getting you into your future home than typical high rates on a fixed rate mortgage.
HRCU offers a 3/3, 5/5 and 10/1 ARM.
We have lowered our 3/3 and 5/5 ARM rates to help you get into your home.
In addition, you could earn a $1,000 closing cost credit to use towards your future HRCU refinance when you finance an ARM with HRCU during the promotional period.
All ARMs are kept in-house at HRCU where you can easily speak to our mortgage team should you have any questions post-closing.
Ready to explore your options? Our mortgage experts are here to guide you every step of the way.
| Interest Rate | Points | APR* | Monthly Payment/$1,000*** | ||
|---|---|---|---|---|---|
| 3/3 Year ARM1 | 5.500% | 0.00 | 5.572% | $5.68 | Apply Now |
| 5/5 Year ARM2 | 5.875% | 0.00 | 5.949% | $5.92 | Apply Now |
| 10/1 Year ARM3 | 6.250% | 0.00 | 6.326% | $6.16 | Apply Now |
1 Fixed for 36 Months and unlike a 3/1 ARM** ours is fixed for the first three years and then rates are subject to change every three years thereafter. The most your rate may increase at each change period/three years would be 2.00%. Rate adjustment increases will not exceed 6.00% over the life of the loan and the lowest rate (floor rate) will not go below your initial rate.
2 Fixed for 60 Months and unlike a 5/1 ARM** ours is fixed for the first five years and then rates are subject to change every five years thereafter. The most your rate may increase at each change period/5 years would be 2.00%. Rate adjustment increases will not exceed 6.00% over the life of the loan and the lowest rate (floor rate) will not go below your initial rate.
3 Fixed for 120 Months and then rates are subject to change every year thereafter. The most your rate may increase each year would be 2.00%. Rate adjustment increases will not exceed 5.00% over the life of the loan and the lowest rate (floor rate) will not go below your initial rate.
* APR equals Annual Percentage Rate
** ARM equals Adjustable Rate Mortgage.
*** Estimated payments above do not include amounts to be held in escrow for real estate taxes and insurance premiums (if applicable). Your actual payment obligation may be greater. Escrow for real estate taxes may be required. Property insurance is required, and flood insurance may be required.
All Rates assume 80% financing with a 20% down payment. For non-conforming rates, contact the Mortgage Department. Index for all Adjustable Rate Mortgages is the weekly average of the U.S. Treasury securities for the applicable term. All rates subject to change daily and can only be guaranteed by HRCU Mortgage Department. Rates may be subject to risk-based adjustments called 'Loan Level Pricing Adjustments' (LLPA) as defined by the most recent Fannie Mae or Internal LLPA matrix.
For more information call (603) 332-6840 or toll free at (877) 895-6840.NOTE: One point is equal to 1% of the amount financed.
*$1,000 closing credit available for 3/3, 5/5, and 10/1 ARM products. Closing credit is good for a period of 36 months beginning from the date the mortgage is originated. Credit will be applied at the time the mortgage is refinanced. Existing HRCU ARM mortgages originated prior to 1.17.2025 are not eligible for the incentive. Standard mortgage underwriting applies, refinance approvals not guaranteed. HRCU reserves the right to adjust the terms or end this promotion at any time.
Are predictable loan payments more your style? With this mortgage option, the interest rate will never change, so you can be rest assured that your principal and interest payments will be consistent until the end of the term of your choice.
| Type | Interest Rate | Points | APR* | Monthly Payment/$1,000 | |
|---|---|---|---|---|---|
| 30 Year Fixed | 6.125% | 1.50 | 6.345% | $6.08 | Apply Now |
| 30 Year Fixed | 6.625% | 0.00 | 6.702% | $6.40 | Apply Now |
| 20 Year Fixed | 6.375% | 0.00 | 6.476% | $7.38 | Apply Now |
| 15 Year Fixed | 6.000% | 0.00 | 6.125% | $8.44 | Apply Now |
| 10 Year Fixed | 5.875% | 0.00 | 6.051% | $11.04 | Apply Now |
*Annual Percentage Rate (APR) shown is the lowest rate offered.
Rates shown above are for Owner Occupied 1-4 units only. Your actual rate will depend on various factors, including, loan product, loan amount, credit score, property value, and other factors. Rates are subject to change without notice.
Estimated payments above do not include amounts to be held in escrow for real estate taxes and insurance premiums, including mortgage insurance (if applicable). Your actual payment obligation may be greater. Escrow for real estate taxes may be required. Property insurance is required, and flood insurance may be required.
Rates shown are quoted on loans with a loan amount of $200,000, with 20% down, and a minimum credit score of 760. Your rate and APR may be higher. Rates may be subject to risk-based adjustments called ‘Loan Level Pricing Adjustments’ (LLPA) as defined by the most recent Fannie Mae or Internal LLPA matrix.
HRCU has partnered with top government program lenders so we can provide buyers access to VA, FHA and USDA Rural Development home loans, which can open additional doors that traditional loans cannot.
Government loans are not just for first-time home buyers; members can gain additional opportunities for potential purchase and refinance options only government loans can offer.
For questions, please contact our team at homeloans at hrcu dot org.
VA Home Loans
FHA Home Loans
USDA Rural Development
Have you found the spot where you want to build your dream home? We provide convenient financing that will give you the resources you need to claim the space and start the process.
| Interest Rate | Points | APR* | Monthly Payment/$1,000 | ||
|---|---|---|---|---|---|
| Land Loan (20 Year Payment Calculation with your 10 Year Balloon) | 11.115% | 0.00 | 11.360% | $10.40 | Apply Now |
*APR equals Annual Percentage Rate
All Rates assume 70% financing with a 30% down payment.
NOTE: One point is equal to 1% of the amount financed.
NOTE: Must be a current approved buildable lot with current approved utility and septic design at time of application.
We have the financing you need, no matter the size of the home.
| Property Type | Interest Rate | Points | APR* | Monthly Payment/$1,000 | |
|---|---|---|---|---|---|
| 30 Year Fixed | 10.240% | 0.00 | 10.369% | $8.95 | Apply Now |
| 20 Year Fixed | 10.115% | 0.00 | 10.271% | $9.73 | Apply Now |
| 15 Year Fixed | 9.740% | 0.00 | 9.926% | $10.59 | Apply Now |
| 10 Year Fixed | 9.615% | 0.00 | 9.868% | $13.00 | Apply Now |
*Estimated payments above do not include amounts for taxes and insurance payments. Your payments may be greater. APR equals Annual Percentage Rate and assumes a purchase price of $200,000 with a 25% down payment and zero (0) points. Your rate and APR may be higher, all loans priced individually. Rates are subject to change at any time. 75% LTV available to those who qualify. For 75% LTV or non-conforming rates, contact the Mortgage Department.
Fixed Rate Mortgage loans may be subject to risk-based pricing adjustments known as Loan Level Pricing Adjustments (LLPA) based on the most recent Fannie Mae LLPA chart.
Fixed Rate Mortgage loans not sold to the secondary market (portfolio loans) may be subject to internal Loan Level Pricing Adjustments (LLPA).
LLPA adjustments consider items such as loan to value, credit score, loan purpose, term and other factors and may cause your rate to be higher.
NOTE: One point is equal to 1% of the amount financed.
Whether your ideal escape is to the lakes region, mountains or a scenic countryside, you can stop dreaming and start enjoying a seasonal vacation home.
A seasonal property typically does not have a central heating system, may not be insulated, may not have a conventional foundation or a full plumbing system (ie: cold water only).
Effective Date: Tuesday, March 25, 2025
| Type | Interest Rate | Points | APR* | Monthly Payment/$1,000 | |
|---|---|---|---|---|---|
| 30 Year Fixed | 7.500% | 0.00 | 7.602% | $6.99 | Apply Now |
| 20 Year Fixed | 7.375% | 0.00 | 7.506% | $7.98 | Apply Now |
| 15 Year Fixed | 7.000% | 0.00 | 7.161% | $8.99 | Apply Now |
| 10 Year Fixed | 6.875% | 0.00 | 7.100% | $11.55 | Apply Now |
*Estimated payments above do not include amounts for taxes and insurance payments. Your payments may be greater. APR equals Annual Percentage Rate and assumes a purchase price of $200,000 with a 20% down payment and zero (0) points. Your rate and APR may be higher, all loans priced individually. Rates are subject to change at any time. 80% LTV available to those who qualify. For 80% LTV or non-conforming rates, contact the Mortgage Department.
Fixed Rate Mortgage loans may be subject to risk-based pricing adjustments known as Loan Level Pricing Adjustments (LLPA) based on the most recent Fannie Mae LLPA chart.
Fixed Rate Mortgage loans not sold to the secondary market (portfolio loans) may be subject to internal Loan Level Pricing Adjustments (LLPA).
LLPA adjustments consider items such as loan to value, credit score, loan purpose, term and other factors and may cause your rate to be higher.
NOTE: One point is equal to 1% of the amount financed.
If you live, work, go to school in the State of New Hampshire or York County, Maine or have an immediate family member that is a current member, you are eligible to join HRCU.
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