Home Loan Rates

Mortgage and Home Equity Loans

Loan Type	APR**
First Mortgage	Today's Rates
Fixed Rate 2nd Mortgage	Rates as low as 3.99%
Finish Line Mortgage	Rates as low as 3.24%
HELOC	Variable Rate Based on Wall Street Journal Prime + a Margin

**Annual Percentage Rate. Rates are dependent on creditworthiness and loan to value. See product disclosure for qualifications and details.

Finish Line Mortgage
**Annual Percentage Rate can be achieved based on credit score. Loan amount between $10,000 - $400,000. First payment due within 30 days of disbursement, fixed due date thereafter. Rates subject to change. Max. 80% LTV, non-owner occupied and home purchase originations are not eligible. Closing costs & originations charges based on current pricing plus all other costs (title, flood, filing, appraisal, etc.) No escrow. 180-month term.

HELOC

A Home Equity Line of Credit (HELOC), is a revolving line of credit secured by the equity in the home. Draw period is 20 years. During the Draw period, the minimum monthly payment will equal the amount of interest accrued at the end of your monthly billing cycle. Repayment period is up to 15 years, minimum monthly payment is $100 or the amount necessary to amortize the outstanding balance, with interest over 15 years from the beginning of the repayment period, whichever is greater.

A HELOC is a variable-rate loan subject to change monthly and is indexed to the prime rate as published in the Wall Street Journal. The initial rate is discounted and not based on the index plus margin used to determine the Annual Percentage Rate (APR) for later rate adjustments. The initial discounted rate will be in effect for the first 12 billing cycles of your account. Your regular Annual Percentage Rate will be a variable APR based upon the prime rate, plus a margin subject to a maximum APR of 18.00%. Your margin will be based on several factors including your credit history, combined loan to value ratio, loan amount and occupancy, so your rate may differ. Rates, terms and conditions are subject to change at any time without prior notice. Final closing costs depend on the location of the property, property type and the amount of the loan. Closing costs up to $1,000 to be paid by Blue Federal Credit union, excluding appraisals. Borrower agrees that in the event the mortgage on the property is paid in full and/or closed within 24 months of the loan term, borrower will be required to immediately repay all costs paid by Blue FCU. Loans subject to final credit approval. Property insurance on the property against hazards and/or flood damage that secures the HELOC is required to open the HELOC. Subject property must be located in Wyoming or Colorado.

Blue Federal Credit Union NMLS #579432