Rates

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Real Estate Loan Rates

Rates as of 11/04/19

The credit union offers a variety of mortgage loans, through credit union affiliates, to fit your individual needs. The rates listed below reflect some of the current mortgage rates available. If you would like more information on how Sun Community FCU can help get you into your dream home, call the Real Estate Department at 760-336-8668 or 760-336-8666.

(Please be advised that rates are subject to change)

Real Estate Loan Rates
Mortgage Type Rates APR*
Conventional 30 Year First Mortgage Fixed Rate
Example: On a typical $100,000 loan, there would be 360 payments of $463.12
3.750% 3.902%
Conventional 20 Year First Mortgage Fixed Rate
Example: On a typical $100,000 loan, there would be 240 payments of $586.40
3.625% 3.873%
Conventional 15 Year First Mortgage Fixed Rate
Example: On a typical $100,000 loan, there would be 180 payments of $708.76
3.375% 3.646%
Conventional 10 Year First Mortgage Fixed Rate
Example: On a typical $100,000 loan, there would be 120 payments of $977.19
3.250% 3.642%
VA 30 Year Fixed Rate
Example: On a typical $100,000 loan, there would be 360 payments of $456.05
3.625% 4.018%
FHA Fixed Rate
Example: On a typical $100,000 loan, there would be 240 payments of $460.61
3.625% 4.546%

USDA Fixed Rate

Example: On a typical $100,000 loan, there would be a 360 monthly payments of $470.24

3.875% 4.333%

Home Equity Line of Credit

(HELOC)

20 years: 5 year draw period followed by a 15 year repayment period.

  5.75% - 8.25%

Home Equity Loan

(HE-Loan)

20 Year Term

  7.00% - 8.50%
Refinance, Home-Ready, Conventional with no MI as low as 3%, investment loan options available. Rates and terms available upon request.

*Payment amounts shown above do not include amount for taxes, insurance premiums or monthly mortgage insurance premiums. Your total actual payment obligation will be greater.

All Rates and APR are subject to change. To confirm rates, please call the Real Estate Loan Department. NMLS:810966