All loans are subject to credit approval and First Financial Credit Union (FFCU) policies and procedures. Loan rates are based on credit qualifications, collateral criteria and index value. Other terms and conditions apply and are subject to change without notice. Restrictions apply.
1APR=Annual Percentage Rate. The APR is variable and subject to quarterly rate adjustments. The rate you may qualify for is based on factors including your credit rating and the combined loan-to-value (CLTV) of your property. A minimum credit qualifying score is required. Rates subject to change without notice. Rate sheet already includes a 0.25% rate discount for automatic payments from an FFCU Checking account. If automatic payments from an FFCU checking account are declined, the rates reflected on rate sheet will need to be increased by 0.25% rate.
2Waived settlement fees: appraisal; recording; flood certificate; credit report; loan documents; escrow and sub-escrow; title lender policy and tie-in; messenger; wire; tax service, notary; termite inspection. The maximum waived settlement costs will not exceed $10,000. Fees not waived: pre-paid costs such as interest; taxes; mortgage insurance premiums; HOA (Home Owners Association) dues; hazard or flood insurance; owner’s title insurance; transfer taxes; impound accounts, and outside third-party fees, such as HOA certification/questionnaire and subordination fees. Discount points to buy-down rate are not allowed. If the loan is paid off within 36 months, borrower(s)
must reimburse FFCU for all waived settlement costs. The waived settlement costs will be added to the account balance,
included on the loan payoff demand statement, and must be paid prior to a reconveyance of the Deed of Trust.