First Imperial Credit Union Mortgage Rates Competitive But Not the Best Rates

First Imperial Credit Union's mortgage rates are not the lowest mortgage rates today but there rates are competitive. First Imperial Credit Union is advertising several different types of mortgage interest rates on first mortgage loans and the credit union is also advertising a 15 year second mortgage rate which natually has a consideribly higher rate than first mortgage rates.

Fixed conforming 30 year mortgage rates are avertised with three different point combinations. You might not be aware of this but the more points you pay on a loan the lower the mortgage rate you will get, that usually is the case anyway which reputable lenders.

Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
in 95816, 2, 740    Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
PERIOD_FIXED_30YEARS Mortgage Loan from HomePlus Mortgage
HomePlus Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111128.gif
300000
Purchase
3.560%
3.375%
USD
HomePlus Mortgage Logo
NMLS # 78669
10/21/2019
at 2.000 pts
30 day lock rate
Est payment: $1,327
Fees in APR: $6,995
Personal service - one point of contact from start to finish – available nights and weekends
 
PERIOD_FIXED_30YEARS Mortgage Loan from Rocket Mortgage
Rocket Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111574.gif
300000
Purchase
4.039%
3.875%
USD
Rocket Mortgage Logo
NMLS # 3030
10/21/2019
at 2.000 pts
45 day lock rate
Est payment: $1,411
Fees in APR: $6,000
From the lender: We can close your loan in less than a month!
 
PERIOD_FIXED_30YEARS Mortgage Loan from Quicken Loans NMLS #3030
Quicken Loans NMLS #3030
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111724.gif
300000
Purchase
4.291%
4.125%
USD
Quicken Loans NMLS #3030 Logo
NMLS # 3030
10/21/2019
at 2.000 pts
45 day lock rate
Est payment: $1,454
Fees in APR: $6,000
The Better Business Bureau gives Quicken Loans and A+ for customer service.
 
PERIOD_FIXED_30YEARS Mortgage Loan from Rocket Mortgage
Rocket Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111574.gif
300000
Purchase
4.039%
3.875%
USD
Rocket Mortgage Logo
NMLS # 3030
10/21/2019
at 2.000 pts
45 day lock rate
Est payment: $1,411
Fees in APR: $6,000
From the lender: We can close your loan in less than a month!
 
PERIOD_FIXED_30YEARS Mortgage Loan from New American Funding
New American Funding
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111741.gif
300000
Purchase
3.514%
3.375%
USD
New American Funding Logo
NMLS # 6606
10/21/2019
at 1.750 pts
30 day lock rate
Est payment: $1,327
Fees in APR: $5,250
Direct lender specializing in helping you save money on your home loan.
 
PERIOD_FIXED_30YEARS Mortgage Loan from Quicken Loans NMLS #3030
Quicken Loans NMLS #3030
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111724.gif
300000
Purchase
4.291%
4.125%
USD
Quicken Loans NMLS #3030 Logo
NMLS # 3030
10/21/2019
at 2.000 pts
45 day lock rate
Est payment: $1,454
Fees in APR: $6,000
The Better Business Bureau gives Quicken Loans and A+ for customer service.
 
PERIOD_FIXED_30YEARS Mortgage Loan from HomePlus Mortgage
HomePlus Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111128.gif
300000
Purchase
3.560%
3.375%
USD
HomePlus Mortgage Logo
NMLS # 78669
10/21/2019
at 2.000 pts
30 day lock rate
Est payment: $1,327
Fees in APR: $6,995
Personal service - one point of contact from start to finish – available nights and weekends
 
PERIOD_FIXED_30YEARS Mortgage Loan from Apple Financial Network, Inc
Apple Financial Network, Inc
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112378.gif
300000
Purchase
3.556%
3.375%
USD
Apple Financial Network, Inc Logo
NMLS # 1846010
State Lic # 01527337
10/21/2019
at 1.625 pts
30 day lock rate
Est payment: $1,327
Fees in APR: $6,972
Be ready to buy. Get pre-approved by a local lender
 

Data provided by Informa Research Services. Payments do not include amounts for taxes and insurance premiums. Click here for more information on rates and product details.






Current mortgage rates on 30 year fixed conventional mortgages are advertised at 4.75 percent with zero mortgage points. 30 year rates are also advertised at 4.50 percent with 1 mortgage point and at 4.25 percent with 2 mortgage points. There are credit union mortgage rates higher than these rates but there are also rates that are lower at both credit unions and banks.

The current national average 30 year mortgage interest rate is currently at 3.38 percent. If you have a credit score of 740 or more you can find 30 year mortgage rates as low as 3.125 percent with 2 mortgage points. If you're credit score is less than 740 you can still get a 30 year mortgage rate around 3.25 percent with points.

First Imperial Credit Union mortgage rates on fixed conventional 20 year home loans are averaging 4.5o percent with zero mortgage points. 20 year mortgage refinance rates are also available at 4.25 percent with 1 mortgage discount point and 4.00 percent with 2 mortgage points.

Today's mortgage rates on 15 year conventional home loans are averaging 2.81 percent while First Imperial Credit Union 15 year mortgage rates today and 10 year mortgage rates today are currently advertised at 4.00 percent with no points. 10 and 15 year refinance mortgage rates are also advertised at 3.75 percent with 1 point and 3.50 percent with 2 points.

First Imperial Credit Union is also advertising second mortgage rates for 15 year loans which have considerably higher rates. Mortgage rates currently on 15 year second loans are advertised at 6.99 percent with zero points.

All the mortgage rates from First Imperial Credit Union we mention above are the credit union's Tier A loans. You can see how this credit union's mortgage rates compare with other credit union mortgage rates by searching our rate tables below.
 
 
Author: Brian McKay
October 11th, 2012