Rates

Real Estate Loan Rates

Rates as of 02/02/2023

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)

*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.

Conventional Disclaimer

*55 day rate lock. Example requires 80% loan-to-value (LTV) with tax and insurance impounds and minimum 740 FICO score. Payment example does not include any amounts due for prepaid interest, taxes, insurance premiums or homeowner association dues; if applicable your payment will be greater. Private Mortgage Insurance (PMI) is required for down payments less than 20%. This is not a guarantee to lend at given APR. Rates and Terms are subject to change. Other restrictions may apply. Actual rate will be determined after receipt of completed application and prior to execution of loan documents. Rate lock may not be available until final loan approval. All loans are subject to credit approval.

VA Disclaimer
**VA day rate lock. Example requires 100% loan-to-value (LTV) with tax and insurance impounds and minimum 740 FICO score. Payment example does not include any amounts due for prepaid interest, taxes, insurance premiums or homeowner association dues; your payment will be greater. VA Funding Fee is required for VA loans. however, veterans are exempt from paying a VA Funding Fee if they’re entitled to receive VA disability compensation. This is not a guarantee to lend at given APR. Rates and Terms are subject to change. Other restrictions may apply. Actual rate will be determined after receipt of completed application and prior to execution of loan documents. Rate lock may not be available until final loan approval. All loans are subject to credit approval.

FHA Disclaimer
***FHA day rate lock. Example requires 96.5% loan-to-value (LTV) with tax and insurance impounds and minimum 740 FICO score. Payment example does not include any amounts due for prepaid interest, taxes, insurance premiums or homeowner association dues; if applicable your payment will be greater. FHA Up Front Mortgage Insurance and Annual Mortgage Insurance is required for all FHA loans. This is not a guarantee to lend at given APR. Rates and Terms are subject to change. Other restrictions may apply. Actual rate will be determined after receipt of completed application and prior to execution of loan documents. Rate lock may not be available until final loan approval. All loans are subject to credit approval.

USDA Disclaimer
****USDA day rate lock. Example requires 100% loan-to-value (LTV) with tax and insurance impounds and minimum 740 FICO score. Payment example does not include any amounts due for prepaid interest, taxes, insurance premiums or homeowner association dues; your payment will be greater. USDA Up Front and Annual  Fee is required. This is not a guarantee to lend at given APR. Rates and Terms are subject to change. Other restrictions may apply. Actual rate will be determined after receipt of completed application and prior to execution of loan documents. Rate lock may not be available until final loan approval. All loans are subject to credit approval.

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