Mortgages

Whether it is a conventional 30 year mortgage, VA, or FHA loan, look to HHFCU to guide you through the mortgage process easily and with an eye towards your goals. With excellent rates and fast, friendly service let Hudson Heritage help – we’re easy to do business with!

Type of First Mortgage Rate Annual Percentage Rate (APR) * APPLY
Fixed Rate 30 Year Mortgage 24.000%4.122% APPLY
Fixed Rate 20 Year Mortgage 23.750%3.872% APPLY
Fixed Rate 15 Year Mortgage 23.250%3.372% APPLY
Fixed Rate 10 Year Mortgage 33.125%3.247% APPLY
Three/One Adjustable (3/1) ARM​ 12.500%2.622% APPLY
Five/One Adjustable (5/1) ARM 12.750%2.872% APPLY
Seven/One Adjustable (7/1) ARM 13.000%3.122% APPLY
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*APR = Annual Percentage Rate.  All extensions of credit are subject to credit approval. Rates shown are the lowest rates offered for the loan products advertised. Applicants that are not approved for these loan rates or terms may be offered credit at a higher term and/or rate. All terms and conditions are subject to change without notice. Offers may be withdrawn at any time.

1 ARM = Adjustable Rate Mortgage. Rates on 3/1 ARMs are fixed for the first three years and subsequently subject to change annually. Rates on 5/1 ARMs are fixed for the first five years and subsequently subject to change annually. Rates on 7/1 ARMs are fixed for the first seven years and subsequently subject to change annually. Adjustable rate mortgages have an annual rate cap of +/- 2% and a lifetime rate adjustment cap of +/- 6%. The maximum Annual Percentage Rate (APR) that may be imposed is 6% over the Initial rate and is subject to credit union lending guidelines. 

2 As an example: A 360 month term at a fixed rate of 3.75% with a 60% LTV would be $46.32 for each $10,000 borrowed.   

3 Must be 1st lien position; appraisal is required. Must be 1- to 4- family dwelling, no manufactured homes. Maximum loan amount is $417,000. Example: a 120-month term with a 60% loan-to-value with a fixed rate of 2.79% would result in an estimated payment of $95.60 for each $10,000 financed.