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Mortgage Loans We'll help you find a place to call home

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  • Great Rates and Great Service

    The biggest purchase you’ll ever make requires the dedication and service of a credit union that knows you and helps you along the way. Whether you’re looking for a first house or ready to refinance an existing mortgage, our talented staff are ready to listen and help meet your financial needs.

    We offer all kinds of mortgages, including ARMs, 15 year fixed, and 30 year fixed. Generous loan amounts make any house attainable, no matter how great the dream. Plus, if you’ve got truly big plans, we also cover Jumbo Home Loans.

    • Representatives who understand your finances and needs
    • A wide variety of mortgage types
    • Insurance also available

    VA Home Loans

    We offer excellent home loan options for veterans and service members. These loans are guaranteed nationwide by Veterans Affairs, offering up to 100% financing. Not crazy about forms and papers? We’ll sit down with you to help you get your Certificate of Eligibility (COE) and complete your application.

    Personal Service

    Big purchases can be emotional and overwhelming. We understand the human side of finances, and work with you to get loan rates and terms that work for your lifestyle. Plus, we’re experts on the inner workings of the mortgage loan process—you’ll be settled down in no time.

    Monthly Payment

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    30000
    Rate
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    Term (Months)
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    This calculation represents an estimate.

    Connecting the dots between "dream" and "house"

    Let's start figuring out how to finance the living space you've always wanted. Apply for mortgage loans easily online, over the phone (800-Sea-West, Option 2), or through the mail.

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  • Mortgage Rates

    DescriptionRateTermApply
    First Mortgage – Fixed*3.375% (a) 15 Years Other rates & terms availableApply Now
    Jumbo First Mortgage- Fixed* 3.990% (b) 30 Years Other rates & terms availableApply Now
    First Mortgage – 7 Year ARM*3.340% (e) 30 Years Other rates & terms availableApply Now
    First Mortgage – 5 Year ARM*3.200% (f) 30 Years Other rates & terms availableApply Now

    Rates are subject to change without notice.

    *Closing costs can and do vary based on housing type, loan amount and other factors. For an accurate estimate of these costs, please contact our Real Estate Department for a Good Faith Estimate for your loan scenario.

    (a) Rate expressed is the Note Rate, for a 15 year loan, actual APR is 3.71% calculated using a loan amount of $726,525 and standard estimated closing costs.
    (b) Rate expressed is the Note Rate, actual APR is 4.29% calculated using a loan amount of $1,000,000 and standard estimated closing costs.
    (c) Rate expressed is the Note Rate, actual APR is 5.14% calculated using a loan amount of $250,000 and standard estimated closing costs.
    (d) Adjustable Rate, the initial rate will be 4.5% for the first 6 months (promotional rate), thereafter will adjust monthly to match the Prime Rate at that time. The minimum rate of 4.5% (floor) and maximum rate of 16% (ceiling). Payments are “Interest Only” during draw period of 10 years, then amortized principal and interest for remaining term of 15 years. Prime Rate is currently 5.50%, initial APR is 5.59%.

    (e) Adjustable Rate Mortgage (7/1 ARM), the initial interest rate is 3.500% for the first 7 years. Thereafter, the Rate will adjust annually based on the index plus the Margin. The index is the Constant Maturity Treasuries (CMT) and the Margin is 2.75%. As of 5/23/19, the CMT index was 2.32%. The Rate may not increase more than 2% per year (adjustment cap) and not more than 5% greater than the initial Rate for the life of the loan (Lifetime Cap). The APR is 4.80%.

    (f) Adjustable Rate Mortgage (5/1 ARM), the initial interest rate is 3.250% for the first 5 years. Thereafter, the Rate will adjust annually based on the index plus the Margin. The index is the Constant Maturity Treasuries (CMT) and the Margin is 2.75%. As of 5/23/19, the CMT index was 2.32%. The Rate may not increase more than 2% per year (adjustment cap) and not more than 5% greater than the initial Rate for the life of the loan (Lifetime Cap). The APR is 4.87%.

Mortgage Loans Disclosures
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