MORTGAGES

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Conforming Fixed Interest Rates

Conforming Fixed Rate Mortgages*
Effective Date: Tuesday, October 23rd, 2018
Payments shown below do not include taxes or insurance. Your payment may be greater.
Account Type	Rate	Term	Annual Percentage Rate (APR) As Low As*	Payment Example*
30 Year Fixed w/0 points	4.875%	30 yrs	4.904% APR	360 monthly payments of $1,058.42*
20 Year Fixed w/0 points	4.750%	20 yrs	4.789% APR	240 monthly payments of $1,292.45*
15 Year Fixed w/0 points	4.375%	15 yrs	4.425% APR	180 monthly payments of $1,517.24*
10 Year Fixed w/0 points	4.250%	10 yrs	4.321% APR	120 monthly payments of $2,048.75*
* All rates and Annual Percentage Rates (APR) subject to change without notice. APR and payment example are based on a $200,000 loan with a 20% down payment. Additional Rate and Point options available. Please call 1-603-645-8181 for more information.

Adjustable Mortgage Interest Rates

Adjustable Rate Mortgages (ARMs)*
Effective Date: Tuesday, October 23rd, 2018
Payment examples shown below do not include taxes or insurance. Your payment may be greater.
Account Type	Rate	Term	Annual Percentage Rate (APR) As Low As*	Payment Example*
1/1 ARM CMT	4.000%	30 years 3.750% initial rate 5.375% fully indexed	5.281% APR	Mos 1-12: $954.83 Fully indexed: $1,114.71
3/1 ARM CMT	4.000%	30 years 3.750% initial rate 5.375% fully indexed	5.071% APR	Mos 1-36: $954.83 Fully indexed: $1,103.99
5/1 ARM CMT	4.000%	30 years 3.750% initial rate 5.375% fully indexed	4.891% APR	Mos 1-60: $954.83 Fully indexed: $1,092.90
5/5 ARM CMT	4.125%	30 years 3.875% initial rate 5.500% fully indexed	5.060% APR	Mos 1-60: $983.88 Fully indexed: $1,108.60
Easy Start 5/5 ARM CMT	4.375%	30 years 4.125% initial rate 5.500% fully indexed	5.106% APR	Mos 1-60: $998.57 Fully indexed: $1,113.08
7/1 ARM CMT	4.375%	30 years 4.125% initial rate 5.375% fully indexed	4.969% APR	Mos 1-84: $998.57 Fully indexed: $1,090.91
10/1 ARM CMT	4.500%	30 years 4.250% initial rate 5.375% fully indexed	4.849% APR	Mos 1-120: $1,013.37 Fully indexed: $1,081.77
* All rates and Annual Percentage Rates (APR) subject to change without notice. APR and payment example are based on a $200,000 loan and a 20% down payment. ARM CMT loans shown have a 30 year term, are payable monthly, and include an adjustable rate feature. Initial rate is fixed for the initial period and then one year adjustable thereafter.

Bellwether members enjoy the benefit of:

• Extended Menu of Mortgage Programs to fit a wide variety of mortgage needs, including VA, FHA, and USDA loans
• Competitive Interest Rates
• Lower Closing Costs than many lenders
• Programs with 3% down payment requirements
• Lower Private Mortgage Insurance rates than some other lenders
• Portfolio Loan Programs
• Easy Start Mortgage our First Time Homebuyers Program with as little as 3% down payment and No Private Mortgage Insurance
• Local Servicing of your mortgage
• Local Lenders who understand the Local Market and make Local Underwriting Decisions

Contact our mortgage team today by phone: 603-645-8115 or email: hometeam@bccu.org.