First Mortgage Rates
In addition to competitive rates, Community Credit Union of Florida also helps buyers save money with a low flat fee for lender costs and the HomeAdvantage program.
Apply Online for a CCU Mortgage
Please contact a CCU representative to ask about a rate buydown if that is of interest.
CONVENTIONAL FINANCING
| TERM | RATE (As Low As) | *APR (As low as) | EXAMPLE LOAN | EXAMPLE LOAN PAYMENT |
|---|---|---|---|---|
| 30 YEAR FIXED | 6.500% | 6.582% | $250,000 | $1,580.17 |
| 20 YEAR FIXED | 6.000% | 6.104% | $250,000 | $1,791.08 |
| 15 YEAR FIXED | 5.875% | 6.004% | $250,000 | $2,092.80 |
| 10 YEAR FIXED | 5.750% | 5.932% | $250,000 | $2,744.23 |
JUMBO FINANCING
| TERM | RATE (As Low As) | *APR (As low as) | EXAMPLE LOAN | EXAMPLE LOAN PAYMENT |
|---|---|---|---|---|
| 30 YEAR FIXED | 6.000% | 6.040% | $806,501 | $4,835.38 |
GOVERNMENT MORTGAGES
| TERM | RATE (As Low As) | *APR (As low as) | EXAMPLE LOAN | EXAMPLE LOAN PAYMENT |
|---|---|---|---|---|
| VA- 30 YEAR FIXED | 6.000% | 6.297% | $250,000 | $1,531.10 |
| FHA - 30 YEAR FIXED - PURCHASE | 6.000% | 6.801% | $250,000 | $1,525.11 |
SPECIALTY MORTGAGES
| TERM | RATE (As Low As) | *APR (As low as) | EXAMPLE LOAN | EXAMPLE LOAN PAYMENT |
|---|---|---|---|---|
| 100% HERO - 30 YR FIXED | 7.250% | 7.339% | $250,000 | $1,705.44 |
| CONSTRUCTION/PERM- 30YR FIXED | 7.000% | 7.127% | $250,000 | $1,663.26 |
| CONDOMINIUMS- 30YR FIXED | 7.000% | 7.087% | $250,000 | $1,663.26 |
| LAND/LOT LOAN- 15YR FIXED (PURCHASE ONLY) | 7.750% | 7.899% | $250,000 | $2,353.19 |
| Loan Amount | Interest Rate | APR | Term | Monthly Payment |
|---|---|---|---|---|
| As low as 6.375% | As low as 6.375% |
The rates listed above are Community Credit Union of Florida's starting base interest rates.
Loan rates are based on credit history, loan terms, and borrower qualifications. Contact CCU to determine your rate. The interest rate to be charged on a specific loan will be based on the loan program, the transaction type, the credit scores of all borrowers, the loan to value or combined loan to value (LTV/CLTV/HCLTV) ratios, the type of property financed, the number of units within the property and if secondary financing will apply.
The rate to be offered will be determined once a complete application has been submitted, including property address and all supporting documents. Complete application package must be submitted for rate and point to be locked. Rate adjustments will be made when escrows are waived and with no closing cost programs. Contact CCU to ask about rate buy-downs.
*APR = Annual Percentage Rate. Individual rates are determined by credit score and credit history. Rates subject to change without notice at any time.
Community Credit Union of Florida reserves the right to limit the maximum Loan to Value (LTV) or Combined Loan To Value (CLTV) ratio that we will finance.
Purchase/Refinance Loan Amounts must be OVER $50,000.
Payment amounts do not include taxes, insurance premiums, or any other applicable costs.
