Helping You Navigate the Mortgage Process

Whether you are a first time home buyer or have done it several times, Blue is here to guide you along the path to home-ownership. With our exceptional partners at Centennial Lending, we have the low rates that will make the home of your dreams a reality.

Check out the variety of mortgage options we have available below.

Home Loan Rates

Rates in this section are effective as of April 1, 2021. Subject to change without notice.

Mortgage and Home Equity Loans

Loan TypeAPR**
First MortgageToday's Rates
Fixed Rate 2nd MortgageRates as low as 3.99%
Finish Line MortgageRates as low as 3.24%
HELOCVariable 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 10 years. Repayment period is up to 10 years, minimum monthly payment is 1% of balance or $100, whichever is greater.
A HELOC is a variable-rate loan subject to change quarterly and is indexed to the prime rate as published in the Wall Street Journal. Current annual percentage rates (APR) can be viewed here: Check Rates. Your APR will be a variable APR based upon 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, loan to value ratio, property type and lien status. Rates, terms and conditions are subject to change at any time without prior notice. The third-party fees for a HELOC can range from $255 to $2,600. Standard credit qualifications apply. Loans subject to final credit approval. Property insurance on the property that secures the HELOC is required to open the HELOC.

Blue Federal Credit Union NMLS #579432

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