Fixed-rate mortgage payment examples assuming a $300,000 loan: 10-year mortgage at 5.472% APR—120 monthly payments at $3,237.24; 15-year mortgage at 5.666% APR—180 monthly payments at $2,451.25; 20-year mortgage at 5.758% APR—240 monthly payments at $2,084.90; and 30-year mortgage at 6.104% APR—360 monthly payments at $1,798.65. Loan payments do not include taxes and insurance.
In most of the country, the maximum conforming loan limit for one-unit properties is $806,500. In "high-cost" areas, the maximum conforming limit may be up to $1,209,750. The "high-cost" areas loan limits are established annually by the Federal Housing Finance Agency (FHFA). These higher limits are designed to make homeownership more affordable in areas with the highest home prices.
Loan payment examples and APRs are for illustration purposes only and do not include customary costs such as taxes and insurance; actual costs may be greater.
Monthly payments may vary slightly from those quoted due to rounding.
Same monthly payment for Jumbo 30-Year Fixed-Rate Mortgage - Jumbo Mortgage at 6.000% (6.054% APR).
[6]
The Jumbo Loan limit is any amount greater than $806,500 up to $5,000,000. High-Balance Conforming allows for higher loan limits beyond the $806,500 conforming limit up to $1,209,750 for high-cost areas as determined by the Federal Housing Finance Agency (FHFA).
Fixed-rate mortgage payment examples assuming a $300,000 loan: 10-year mortgage at 5.472% APR—120 monthly payments at $3,237.24; 15-year mortgage at 5.666% APR—180 monthly payments at $2,451.25; 20-year mortgage at 5.758% APR—240 monthly payments at $2,084.90; and 30-year mortgage at 6.104% APR—360 monthly payments at $1,798.65. Loan payments do not include taxes and insurance.
In most of the country, the maximum conforming loan limit for one-unit properties is $806,500. In "high-cost" areas, the maximum conforming limit may be up to $1,209,750. The "high-cost" areas loan limits are established annually by the Federal Housing Finance Agency (FHFA). These higher limits are designed to make homeownership more affordable in areas with the highest home prices.
Loan payment examples and APRs are for illustration purposes only and do not include customary costs such as taxes and insurance; actual costs may be greater.
Monthly payments may vary slightly from those quoted due to rounding.
Same monthly payment for Jumbo 20-Year Fixed-Rate Mortgage - Jumbo Mortgage at 5.625% (5.692% APR).
[6]
The Jumbo Loan limit is any amount greater than $806,500 up to $5,000,000. High-Balance Conforming allows for higher loan limits beyond the $806,500 conforming limit up to $1,209,750 for high-cost areas as determined by the Federal Housing Finance Agency (FHFA).
Fixed-rate mortgage payment examples assuming a $300,000 loan: 10-year mortgage at 5.472% APR—120 monthly payments at $3,237.24; 15-year mortgage at 5.666% APR—180 monthly payments at $2,451.25; 20-year mortgage at 5.758% APR—240 monthly payments at $2,084.90; and 30-year mortgage at 6.104% APR—360 monthly payments at $1,798.65. Loan payments do not include taxes and insurance.
In most of the country, the maximum conforming loan limit for one-unit properties is $806,500. In "high-cost" areas, the maximum conforming limit may be up to $1,209,750. The "high-cost" areas loan limits are established annually by the Federal Housing Finance Agency (FHFA). These higher limits are designed to make homeownership more affordable in areas with the highest home prices.
Loan payment examples and APRs are for illustration purposes only and do not include customary costs such as taxes and insurance; actual costs may be greater.
Monthly payments may vary slightly from those quoted due to rounding.
Same monthly payment for Jumbo 15-Year Fixed-Rate Mortgage - Jumbo Mortgage at 5.500% (5.583% APR).
[6]
The Jumbo Loan limit is any amount greater than $806,500 up to $5,000,000. High-Balance Conforming allows for higher loan limits beyond the $806,500 conforming limit up to $1,209,750 for high-cost areas as determined by the Federal Housing Finance Agency (FHFA).
Fixed-rate mortgage payment examples assuming a $300,000 loan: 10-year mortgage at 5.472% APR—120 monthly payments at $3,237.24; 15-year mortgage at 5.666% APR—180 monthly payments at $2,451.25; 20-year mortgage at 5.758% APR—240 monthly payments at $2,084.90; and 30-year mortgage at 6.104% APR—360 monthly payments at $1,798.65. Loan payments do not include taxes and insurance.
In most of the country, the maximum conforming loan limit for one-unit properties is $806,500. In "high-cost" areas, the maximum conforming limit may be up to $1,209,750. The "high-cost" areas loan limits are established annually by the Federal Housing Finance Agency (FHFA). These higher limits are designed to make homeownership more affordable in areas with the highest home prices.
Loan payment examples and APRs are for illustration purposes only and do not include customary costs such as taxes and insurance; actual costs may be greater.
Monthly payments may vary slightly from those quoted due to rounding.
Same monthly payment for Jumbo 10-Year Fixed-Rate Mortgage - Jumbo Mortgage at 5.375% (5.472% APR).
[6]
The Jumbo Loan limit is any amount greater than $806,500 up to $5,000,000. High-Balance Conforming allows for higher loan limits beyond the $806,500 conforming limit up to $1,209,750 for high-cost areas as determined by the Federal Housing Finance Agency (FHFA).
3-year fixed-to-adjustable rate: Initial 6.003% is fixed for 3 years, then adjusts annually based on an index and margin. For a 30-year loan of $300,000, you would make 36 payments of $1,656.61 APR, followed by 324 payments based on the then-current variable rate. Loan payments may increase and do not include taxes and insurance.
In most of the country, the maximum conforming loan limit for one-unit properties is $806,500. In "high-cost" areas, the maximum conforming limit may be up to $1,209,750. The "high-cost" areas loan limits are established annually by the Federal Housing Finance Agency (FHFA). These higher limits are designed to make homeownership more affordable in areas with the highest home prices.
Loan payment examples and APRs are for illustration purposes only and do not include customary costs such as taxes and insurance; actual costs may be greater.
Monthly payments may vary slightly from those quoted due to rounding.
Same monthly payment for Jumbo 3-Year Fixed-to-Adjustable-Rate Mortgage - Jumbo Mortgage at 5.250% (6.140% APR).
[6]
The Jumbo Loan limit is any amount greater than $806,500 up to $5,000,000. High-Balance Conforming allows for higher loan limits beyond the $806,500 conforming limit up to $1,209,750 for high-cost areas as determined by the Federal Housing Finance Agency (FHFA).
In most of the country, the maximum conforming loan limit for one-unit properties is $806,500. In "high-cost" areas, the maximum conforming limit may be up to $1,209,750. The "high-cost" areas loan limits are established annually by the Federal Housing Finance Agency (FHFA). These higher limits are designed to make homeownership more affordable in areas with the highest home prices.
3-year fixed-to-adjustable rate: Initial 6.003% is fixed for 3 years, then adjusts annually based on an index and margin. For a 30-year loan of $300,000, you would make 36 payments of $1,656.61 APR, followed by 324 payments based on the then-current variable rate. Loan payments may increase and do not include taxes and insurance.
Loan payment examples and APRs are for illustration purposes only and do not include customary costs such as taxes and insurance; actual costs may be greater.
Monthly payments may vary slightly from those quoted due to rounding.
Same monthly payment for Jumbo 5-Year Fixed-to-Adjustable-Rate Mortgage - Jumbo Mortgage at 5.375% (6.035% APR).
[6]
The Jumbo Loan limit is any amount greater than $806,500 up to $5,000,000. High-Balance Conforming allows for higher loan limits beyond the $806,500 conforming limit up to $1,209,750 for high-cost areas as determined by the Federal Housing Finance Agency (FHFA).
In most of the country, the maximum conforming loan limit for one-unit properties is $806,500. In "high-cost" areas, the maximum conforming limit may be up to $1,209,750. The "high-cost" areas loan limits are established annually by the Federal Housing Finance Agency (FHFA). These higher limits are designed to make homeownership more affordable in areas with the highest home prices.
3-year fixed-to-adjustable rate: Initial 6.003% is fixed for 3 years, then adjusts annually based on an index and margin. For a 30-year loan of $300,000, you would make 36 payments of $1,656.61 APR, followed by 324 payments based on the then-current variable rate. Loan payments may increase and do not include taxes and insurance.
Loan payment examples and APRs are for illustration purposes only and do not include customary costs such as taxes and insurance; actual costs may be greater.
Monthly payments may vary slightly from those quoted due to rounding.
Same monthly payment for Jumbo 7-Year Fixed-to-Adjustable-Rate Mortgage - Jumbo Mortgage at 5.500% (5.981% APR).
[6]
The Jumbo Loan limit is any amount greater than $806,500 up to $5,000,000. High-Balance Conforming allows for higher loan limits beyond the $806,500 conforming limit up to $1,209,750 for high-cost areas as determined by the Federal Housing Finance Agency (FHFA).
In most of the country, the maximum conforming loan limit for one-unit properties is $806,500. In "high-cost" areas, the maximum conforming limit may be up to $1,209,750. The "high-cost" areas loan limits are established annually by the Federal Housing Finance Agency (FHFA). These higher limits are designed to make homeownership more affordable in areas with the highest home prices.
3-year fixed-to-adjustable rate: Initial 6.003% is fixed for 3 years, then adjusts annually based on an index and margin. For a 30-year loan of $300,000, you would make 36 payments of $1,656.61 APR, followed by 324 payments based on the then-current variable rate. Loan payments may increase and do not include taxes and insurance.
Loan payment examples and APRs are for illustration purposes only and do not include customary costs such as taxes and insurance; actual costs may be greater.
Monthly payments may vary slightly from those quoted due to rounding.
Same monthly payment for Jumbo 10-Year Fixed-to-Adjustable-Rate Mortgage - Jumbo Mortgage at 5.625% (5.936% APR).
[6]
The Jumbo Loan limit is any amount greater than $806,500 up to $5,000,000. High-Balance Conforming allows for higher loan limits beyond the $806,500 conforming limit up to $1,209,750 for high-cost areas as determined by the Federal Housing Finance Agency (FHFA).
In most of the country, the maximum conforming loan limit for one-unit properties is $806,500. In "high-cost" areas, the maximum conforming limit may be up to $1,209,750. The "high-cost" areas loan limits are established annually by the Federal Housing Finance Agency (FHFA). These higher limits are designed to make homeownership more affordable in areas with the highest home prices.
3-year fixed-to-adjustable rate: Initial 6.003% is fixed for 3 years, then adjusts annually based on an index and margin. For a 30-year loan of $300,000, you would make 36 payments of $1,656.61 APR, followed by 324 payments based on the then-current variable rate. Loan payments may increase and do not include taxes and insurance.
Rate
5.375%
APR
5.856%
[8]
APR=Annual Percentage Rate. Current rate (% APR) is subject to change. For example on a 30-year 5/5 ARM loan of $500,000, you would make 360 monthly payments. The monthly payment in the first five years would be and would be adjusted after the fifth year.
[3]
The Annual Percentage Rate (APR) for Jumbo loans assumes a loan amount of $800,000. The APR for all other loans assumes a loan amount of $100,000.
Loan payment examples and APRs are for illustration purposes only and do not include customary costs such as taxes and insurance; actual costs may be greater.
Monthly payments may vary slightly from those quoted due to rounding.
Same monthly payment for Jumbo 30-Year 5/5 Adjustable-Rate Mortgage - Jumbo Mortgage at 5.375% (5.959% APR).
[6]
The Jumbo Loan limit is any amount greater than $806,500 up to $5,000,000. High-Balance Conforming allows for higher loan limits beyond the $806,500 conforming limit up to $1,209,750 for high-cost areas as determined by the Federal Housing Finance Agency (FHFA).
Fixed-rate home-equity loan payment examples assuming a $300,000 loan: 15-year at 6.204% APR—180 monthly payments at $2,551.87; 20-year at 6.315% APR—240 monthly payments at $2,192.78.
[10]
Maximum loan amount $750,000 and eligible for properties in California only.
Loan payment examples and APRs are for illustration purposes only and do not include customary costs such as taxes and insurance; actual costs may be greater.
15-year adjustable-rate home-equity loan rates range from 6.691% to 11.500%. The APR is variable, based on an index and margin. On a loan of $300,000 at 6.691% APR, you would make 180 payments of $2,613.32 over 15 years. Loan payments do not include taxes and insurance.
[10]
Maximum loan amount $750,000 and eligible for properties in California only.
Loan payment examples and APRs are for illustration purposes only and do not include customary costs such as taxes and insurance; actual costs may be greater.
Fixed-rate home-equity loan payment examples assuming a $300,000 loan: 15-year at 6.204% APR—180 monthly payments at $2,551.87; 20-year at 6.315% APR—240 monthly payments at $2,192.78.
[10]
Maximum loan amount $750,000 and eligible for properties in California only.
Loan payment examples and APRs are for illustration purposes only and do not include customary costs such as taxes and insurance; actual costs may be greater.
Home Equity Line of Credit, California, owner-occupied
[12]
Home-equity line of credit rates are variable and the maximum APR that could apply is 18.000%. The maximum term is 25 years, which includes a 10-year draw period and a 15-year repayment period. For lines exceeding $250,000, closing and appraisal fees may apply in the range of $1,500 to $2,500. There may be an early closure fee of $500 for home-equity lines closed within the first two years of origination.
[10]
Maximum loan amount $750,000 and eligible for properties in California only.
Loan payment examples and APRs are for illustration purposes only and do not include customary costs such as taxes and insurance; actual costs may be greater.
30-Year Fixed-Rate Mortgage for Investment Property - Conforming
[2]
In most of the country, the maximum conforming loan limit for one-unit properties is $806,500. In "high-cost" areas, the maximum conforming limit may be up to $1,209,750. The "high-cost" areas loan limits are established annually by the Federal Housing Finance Agency (FHFA). These higher limits are designed to make homeownership more affordable in areas with the highest home prices.
Loan payment examples and APRs are for illustration purposes only and do not include customary costs such as taxes and insurance; actual costs may be greater.
Monthly payments may vary slightly from those quoted due to rounding.
Same monthly payment for Jumbo 30-Year Fixed-Rate Mortgage for Investment Property - Jumbo Mortgage at 6.625% (6.686% APR).
[6]
The Jumbo Loan limit is any amount greater than $806,500 up to $5,000,000. High-Balance Conforming allows for higher loan limits beyond the $806,500 conforming limit up to $1,209,750 for high-cost areas as determined by the Federal Housing Finance Agency (FHFA).
20-Year Fixed-Rate Mortgage for Investment Property - Conforming
[2]
In most of the country, the maximum conforming loan limit for one-unit properties is $806,500. In "high-cost" areas, the maximum conforming limit may be up to $1,209,750. The "high-cost" areas loan limits are established annually by the Federal Housing Finance Agency (FHFA). These higher limits are designed to make homeownership more affordable in areas with the highest home prices.
Loan payment examples and APRs are for illustration purposes only and do not include customary costs such as taxes and insurance; actual costs may be greater.
Monthly payments may vary slightly from those quoted due to rounding.
Same monthly payment for Jumbo 20-Year Fixed-Rate Mortgage for Investment Property - Jumbo Mortgage at 6.500% (6.579% APR).
[6]
The Jumbo Loan limit is any amount greater than $806,500 up to $5,000,000. High-Balance Conforming allows for higher loan limits beyond the $806,500 conforming limit up to $1,209,750 for high-cost areas as determined by the Federal Housing Finance Agency (FHFA).
15-Year Fixed-Rate Mortgage for Investment Property - Conforming
[2]
In most of the country, the maximum conforming loan limit for one-unit properties is $806,500. In "high-cost" areas, the maximum conforming limit may be up to $1,209,750. The "high-cost" areas loan limits are established annually by the Federal Housing Finance Agency (FHFA). These higher limits are designed to make homeownership more affordable in areas with the highest home prices.
Loan payment examples and APRs are for illustration purposes only and do not include customary costs such as taxes and insurance; actual costs may be greater.
Monthly payments may vary slightly from those quoted due to rounding.
Same monthly payment for Jumbo 15-Year Fixed-Rate Mortgage for Investment Property - Jumbo Mortgage at 6.125% (6.217% APR).
[6]
The Jumbo Loan limit is any amount greater than $806,500 up to $5,000,000. High-Balance Conforming allows for higher loan limits beyond the $806,500 conforming limit up to $1,209,750 for high-cost areas as determined by the Federal Housing Finance Agency (FHFA).
10-Year Fixed-Rate Mortgage for Investment Property - Conforming
[2]
In most of the country, the maximum conforming loan limit for one-unit properties is $806,500. In "high-cost" areas, the maximum conforming limit may be up to $1,209,750. The "high-cost" areas loan limits are established annually by the Federal Housing Finance Agency (FHFA). These higher limits are designed to make homeownership more affordable in areas with the highest home prices.
Loan payment examples and APRs are for illustration purposes only and do not include customary costs such as taxes and insurance; actual costs may be greater.
Monthly payments may vary slightly from those quoted due to rounding.
Same monthly payment for Jumbo 10-Year Fixed-Rate Mortgage for Investment Property - Jumbo Mortgage at 6.000% (6.128% APR).
[6]
The Jumbo Loan limit is any amount greater than $806,500 up to $5,000,000. High-Balance Conforming allows for higher loan limits beyond the $806,500 conforming limit up to $1,209,750 for high-cost areas as determined by the Federal Housing Finance Agency (FHFA).
3-Year Fixed-to-Adjustable-Rate Mortgage for Investment Property - Conforming
[2]
In most of the country, the maximum conforming loan limit for one-unit properties is $806,500. In "high-cost" areas, the maximum conforming limit may be up to $1,209,750. The "high-cost" areas loan limits are established annually by the Federal Housing Finance Agency (FHFA). These higher limits are designed to make homeownership more affordable in areas with the highest home prices.
Loan payment examples and APRs are for illustration purposes only and do not include customary costs such as taxes and insurance; actual costs may be greater.
Monthly payments may vary slightly from those quoted due to rounding.
Same monthly payment for Jumbo 3-Year Fixed-to-Adjustable-Rate Mortgage for Investment Property - Jumbo Mortgage at 6.000% (6.334% APR).
[6]
The Jumbo Loan limit is any amount greater than $806,500 up to $5,000,000. High-Balance Conforming allows for higher loan limits beyond the $806,500 conforming limit up to $1,209,750 for high-cost areas as determined by the Federal Housing Finance Agency (FHFA).
5-Year Fixed-to-Adjustable-Rate Mortgage for Investment Property - Conforming
[2]
In most of the country, the maximum conforming loan limit for one-unit properties is $806,500. In "high-cost" areas, the maximum conforming limit may be up to $1,209,750. The "high-cost" areas loan limits are established annually by the Federal Housing Finance Agency (FHFA). These higher limits are designed to make homeownership more affordable in areas with the highest home prices.
Loan payment examples and APRs are for illustration purposes only and do not include customary costs such as taxes and insurance; actual costs may be greater.
Monthly payments may vary slightly from those quoted due to rounding.
Same monthly payment for Jumbo 5-Year Fixed-to-Adjustable-Rate Mortgage for Investment Property - Jumbo Mortgage at 6.125% (6.332% APR).
[6]
The Jumbo Loan limit is any amount greater than $806,500 up to $5,000,000. High-Balance Conforming allows for higher loan limits beyond the $806,500 conforming limit up to $1,209,750 for high-cost areas as determined by the Federal Housing Finance Agency (FHFA).
7-Year Fixed-to-Adjustable-Rate Mortgage for Investment Property - Conforming
[2]
In most of the country, the maximum conforming loan limit for one-unit properties is $806,500. In "high-cost" areas, the maximum conforming limit may be up to $1,209,750. The "high-cost" areas loan limits are established annually by the Federal Housing Finance Agency (FHFA). These higher limits are designed to make homeownership more affordable in areas with the highest home prices.
Loan payment examples and APRs are for illustration purposes only and do not include customary costs such as taxes and insurance; actual costs may be greater.
Monthly payments may vary slightly from those quoted due to rounding.
Same monthly payment for Jumbo 7-Year Fixed-to-Adjustable-Rate Mortgage for Investment Property - Jumbo Mortgage at 6.250% (6.368% APR).
[6]
The Jumbo Loan limit is any amount greater than $806,500 up to $5,000,000. High-Balance Conforming allows for higher loan limits beyond the $806,500 conforming limit up to $1,209,750 for high-cost areas as determined by the Federal Housing Finance Agency (FHFA).
10-Year Fixed-to-Adjustable-Rate Mortgage for Investment Property - Conforming
[2]
In most of the country, the maximum conforming loan limit for one-unit properties is $806,500. In "high-cost" areas, the maximum conforming limit may be up to $1,209,750. The "high-cost" areas loan limits are established annually by the Federal Housing Finance Agency (FHFA). These higher limits are designed to make homeownership more affordable in areas with the highest home prices.
Loan payment examples and APRs are for illustration purposes only and do not include customary costs such as taxes and insurance; actual costs may be greater.
Monthly payments may vary slightly from those quoted due to rounding.
Same monthly payment for Jumbo 10-Year Fixed-to-Adjustable-Rate Mortgage for Investment Property - Jumbo Mortgage at 6.375% (6.433% APR).
[6]
The Jumbo Loan limit is any amount greater than $806,500 up to $5,000,000. High-Balance Conforming allows for higher loan limits beyond the $806,500 conforming limit up to $1,209,750 for high-cost areas as determined by the Federal Housing Finance Agency (FHFA).
We’re more than just a credit union—we’re your financial sidekick. Explore resources designed to help you plan smarter, borrow better, and stay in the know.
The IRA journey involves not only contributions but also the strategic management of distributions and portability. In this exploration we delve into the dynamics of withdrawals, emphasizing the importance of timing, and uncover the flexibility offered by portability options. Join us we unravel the intricacies of efficiently navigating your IRA, ensuring it adapts seamlessly to your evolving financial landscape.
