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Did You Know?


Locking your interest rates can be one of those “easier said than done” steps in the mortgage process.  Rates change daily, and in some cases more than once a day.  Rate movements affect your cost of borrowing as well as the amount you can borrow.


CU/America Financial Services offers several Lock-In Options to provide the protection you need and peace of mind that rate volatility will not stand between you and your financing goals.



Current Rates      


Effective: Monday, March 30, 2015 10:00 am CST


Application Checklist


Fixed-Rate Mortgages


Program Rate APR* Points P&I**
Conforming 30-Yr. FRM 3.750% 3.871% 0.000 $4.631
Conforming 20-Yr. FRM 3.625%


0.000  $5.864
Conforming 15-Yr. FRM 3.125%


0.000 $6.966
Conforming 10-Yr. FRM 3.000% 3.310% 0.000 $9.656
VA 30-Yr. FRM 3.375% 3.624% 0.000 $4.516
FHA 30-Yr. FRM 3.625% 4.652% 0.000 $5.343
FHA 15-Yr. FRM 3.250% 4.266% 0.000 $7.719
Jumbo 30-Yr. FRM 4.500% 4.633% 0.000 $5.067
Jumbo 15-Yr. FRM 4.000% 4.230% 0.000 $7.397



Current Rates, APRs, and Points based on NEW Purchase transactions locked for 45-days(All About Lock-ins)

  • Conforming Quotes: Based on a $300,000+ loan amount, 25%+ down, and 740+ credit score.
  • FHA & VA Quotes: Based on a $200,000+ loan amount, 3.5%+ down (no downpayment rquired on VA), and 720+ credit score.
  • Jumbo Quotes: Based on a $417,050+ loan amount, 35%+ down, and 720+ credit score.
  • Please contact a CU/America Licensed Consultant for quotes on refinance transactions, or quotes for lower credit scores, down-payments or loan amounts; which require adjustments, if available.

*Annual Percentage Rate (APR) - Lenders are required by law to disclose APR in nearly all consumer credit transactions, to provide a uniform measure for comparing the cost of various credit transactions.  APR is expressed as a nominal yearly rate as defined by Sec 226.22 of Regulation Z, and must be disclosed as a single rate.  APR measures the total cost of credit, including "finance charges".


**P&I (Principal and Interest) - Payments factors are shown per $1,000 loan amount.  FHA payment factors include financed Upfront Mortgage Insurance (UFMIP) and the cost of Annual Mortgage Insurance (MMI).  VA payment factors include a financed VA Funding Fee for first-time us of Veterans of Active Duty Services.


Disclosure Statement: This information is not an advertisement to extend credit as defined by Reg. Z 226.24.  APRs vary with loan amount.  Rates are subject to change with notice.  Some restrictions may apply.  CU/America Financial Services fully complies with Federal Fair Housing Law and the Equal Credit Opportunity Act.


Regulated by State of Illinois - IDFPR 100 W Randolph, 9th Flr, Chicago, IL 60601 #(312) 793-3000