MORTGAGES

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Conforming Fixed Interest Rates

Conforming Fixed Rate Mortgages*
Effective Date: Sunday, September 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.
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Adjustable Mortgage Interest Rates

Adjustable Rate Mortgages (ARMs)*
Effective Date: Sunday, September 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	3.750%	30 years 3.750% initial rate 5.375% fully indexed	5.146% APR	Mos 1-12: $926.23 Fully indexed: $1,114.71
3/1 ARM CMT	3.750%	30 years 3.750% initial rate 5.375% fully indexed	4.919% APR	Mos 1-36: $926.23 Fully indexed: $1,103.99
5/1 ARM CMT	3.750%	30 years 3.750% initial rate 5.375% fully indexed	4.723% APR	Mos 1-60: $926.23 Fully indexed: $1,092.90
5/5 ARM CMT	3.875%	30 years 3.875% initial rate 5.375% fully indexed	4.846% APR	Mos 1-60: $940.47 Fully indexed: $1,095.16
Easy Start 5/5 ARM CMT	4.125%	30 years 4.125% initial rate 5.375% fully indexed	4.937% APR	Mos 1-60: $969.30 Fully indexed: $1,099.59
7/1 ARM CMT	4.125%	30 years 4.125% initial rate 5.375% fully indexed	4.793% APR	Mos 1-84: $939.30 Fully indexed: $1,090.91
10/1 ARM CMT	4.250%	30 years 4.250% initial rate 5.375% fully indexed	4.648% APR	Mos 1-120: $983.88 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.
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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.