Rates and Loan Options

Choose The Best Mortgage for You

Fixed Rate Mortgages

30 Year Fixed

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A fixed rate mortgage provides you with the security of a monthly payment that doesn’t change. Fixed rate loans are one of the most popular loan options today. By choosing a 30 year fixed rate loan, you will have the lowest monthly payment of all the fixed rate loans we offer.

Interest rate as low as
4.25%

APR as low as
4.387%

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Term:
30

Down Payment:
3% Minimum
Term
30 Years
Interest Rate
4.25%
Loan Amount
$
Estimated Monthly Payment $
Taxes & insurance not included, therefore the actual payment obligation will be greater.

20 Year Fixed

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A fixed rate mortgage provides you with the security of a monthly payment that doesn’t change. Fixed rate loans are one of the most popular loan options today. By choosing a 20 year fixed rate loan, you will have the monthly payment that is greater than the 30 year fixed rate, but you will be building equity in your home faster.

Interest rate as low as
4.125%

APR as low as
4.313%

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Term:
20

Down Payment:
3% Minimum
Term
20 Years
Interest Rate
4.125%
Loan Amount
$
Estimated Monthly Payment $
Taxes & insurance not included, therefore the actual payment obligation will be greater.

15 Year Fixed

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A fixed rate mortgage provides you with the security of a monthly payment that doesn’t change. Fixed rate loans are one of the most popular loan options today. Choose a 15 year fixed rate loan if you’re comfortable with a higher payment and you will have the benefit of substantial interest savings.

Interest rate as low as
3.5%

APR as low as
3.736%

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Term:
15

Down Payment:
3% Minimum
Term
15 Years
Interest Rate
3.5%
Loan Amount
$
Estimated Monthly Payment $
Taxes & insurance not included, therefore the actual payment obligation will be greater.

Adjustable Rate Mortgages

5 Year Adjustable

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Another popular choice, these loans begin with a fixed interest rate for the initial term and then adjust according to an index.

Interest rate as low as
3.375%

APR as low as
4.236%

Term:
30

Down Payment:
5% Minimum
Term
30 Years
Interest Rate
3.375%
Loan Amount
$
Estimated Monthly Payment $
Taxes & insurance not included, therefore the actual payment obligation will be greater.

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Argent Credit Union, Inc. is an Equal Housing Lender registered with the National Mortgage Licensing System under registration number 421982.

As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Cleveland, OH.

Amy R. Masi – NMLS #685519
Penny S. Crampton – NMLS #685520

“3% Down” – Payment example based on a sales price of $200,000 and a loan amount $194,000:  30 year term with a 4.125% interest rate, the APR for this loan type is 4.799%. The monthly payment schedule would be:

  • 114 payments of $1,069.55 at an interest rate of 4.125%
  • 245 payments of $940.22 at an interest rate of 4.125%
  • 1 payment of $940.41 at an interest rate of 4.125%

“10 Yr Fixed Rate” – Payment example based on a loan amount $100,000: 10 year term with a 3.30% interest rate, the APR for this loan type is 3.30%. The monthly payment schedule would be:

  • 119 payments of $979.52 at an interest rate of 3.300%
  • 1 payment of $979.25 at an interest rate of 3.300%

ARM disclosure:
20% Down – Payment example based on a sales price of $200,000 and a loan amount $160,000: 30 year term with a 3.250, the APR for this loan type is 4.191%, subject to increase. Based on current market conditions, the monthly payment schedule would be:

  • 60 payments of $696.33 at an interest rate of 3.250%
  • 299 payments of $794.23 at an interest rate of 4.500%
  • 1 payment of $795.22 at an interest rate of 4.500%

**Consult your tax advisor.