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Wescom Credit Union Rates

Wescom Credit Union Rates

Mortgage Rates

The rates we offer shown below are examples effective as of Jul 23, 2017, and not intended to be inclusive or a commitment to the pricing for which you may qualify. For additional information and rates for loan amounts less than $100,000 please call 1-888-4WESCOM (1-888-493-7266).

Fixed-Rate Mortgages

Loan Rate Points APR

Conforming Fixed Rates ($100,000 - $424,100)

30 -Year 3.990% 0.000 4.038%
30 -Year 3.750% 1.000 3.880%
20 -Year 3.625% 0.000 3.691%
20 -Year 3.500% 1.000 3.680%
15 -Year 3.250% 0.000 3.334%
15 -Year 2.990% 1.000 3.219%

Jumbo Fixed Rates ($424,101 - $1,500,000)*

30-Year 3.990% 0.000 4.039%
15-Year 3.250% 0.000 3.335%

Adjustable Rate Mortgages

Loan Rate Points APR Index Margin

Special Offer Adjustable Rate Mortgage

5/1 Fixed to ARM1, 2
(Loans up to $1,000,000)
2.625% 0.000 2.779% 1 YR Libor 2.250

Adjustable Rate Mortgages (Loans up to $1,000,000)

5/1 Fixed to ARM 2 2.875% 0.000 2.865% 1 YR Libor 2.250
7/1 Fixed to ARM 3 3.125% 0.000 2.988% 1 YR Libor 2.250
10/1 Fixed to ARM 4 3.500% 0.000 3.266% 1 YR Libor 2.250
15/15 Fixed to ARM 5 3.625% 0.000 3.726% 10 YR CMT 1.250

Jumbo Adjustable Rate Mortgages ($1,000,001 to $1,500,000)*

5/1 Fixed to ARM 2 2.875% 0.000 2.865% 1 YR Libor 2.250
7/1 Fixed to ARM 3 3.125% 0.000 2.988% 1 YR Libor 2.250
10/1 Fixed to ARM 4 3.500% 0.000 3.266% 1 YR Libor 2.250
15/15 Fixed to ARM 5 3.625% 0.000 3.726% 10 YR CMT 1.250

* Loan amounts greater than $1,000,000 are subject to additional rate adjustment.

1 The special offer adjustable rate mortgage is available on single-family, primary residences only. A minimum FICO Score of 720 is required. Maximum loan amount of $1,000,000. Maximum LTV/CLTV 75%. The initial rate adjustment will not exceed 2.00% and each subsequent rate adjustment will not exceed 2.00%. The maximum rate and APR increase over the life of the loan period is 5.00% from the start rate. Monthly payments may increase corresponding to changes to the rate.

2 The rate and APR is fixed for the first five years and adjusts annually thereafter. The initial rate adjustment will not exceed 2.00% and each subsequent rate adjustment will not exceed 2.00%. The maximum rate and APR increase over the life of the loan period is 5.00% from the start rate. Monthly payments may increase corresponding to changes to the rate.

3 The rate and APR is fixed for the first seven years and adjusts annually thereafter. The initial rate adjustment will not exceed 5.00% and each subsequent rate adjustment will not exceed 2.00%. The maximum rate and APR increase over the life of the loan period is 5.00% from the start rate. Monthly payments may increase corresponding to changes to the rate.

4 The rate and APR is fixed for the first ten years and adjusts annually thereafter. The initial rate adjustment will not exceed 5.00% and each subsequent rate adjustment will not exceed 2.00%. The maximum rate and APR increase over the life of the loan period is 5.00% from the start rate. Monthly payments may increase corresponding to changes to the rate.

5 The rate and APR is fixed for the first fifteen years and adjusts once thereafter. The rate adjustment will not exceed 6.00%. The maximum rate and APR increase over the life of the loan period is 6.00% from the start rate. Monthly payments may increase corresponding to the change to the rate.

FHA Mortgages

Loan Rate Origination Points Discount Points APR

FHA Conforming Fixed Rates

30-Year 3.875% 1.00 -1.250 3.902%
30-Year 3.750% 1.00 -0.875 3.807%
15-Year 3.250% 1.00 0.000 3.480%
15-Year 3.125% 1.00 1.000 3.503%

FHA Jumbo Fixed Rates

30-Year 4.500% 1.00 -0.125 4.625%
30-Year 4.125% 1.00 0.375 4.290%

APR = Annual Percentage Rate

Rates subject to change without notice.

CUSO Mortgage, Inc.

FHA Mortgages are processed by CUSO Mortgage, Inc., a wholly owned subsidiary of Wescom Holdings, LLC, which is a wholly owned subsidiary of Wescom Credit Union. CUSO Mortgage, Inc. is licensed by the California Department of Business Oversight under the California Residential Mortgage Lending Act, license number 413-0584. NMLS ID 226752.

For additional information on FHA loans please call 1-800-400-4540.