Members 1st Mortgage Rates
 
Our current mortgage rates are listed below. Mortgage rates are changed each business day.  Please note that submitting an application DOES NOT lock in your interest rate.  In order to lock in an interest rate, you must speak with a Mortgage Specialist. 
 
If your loan-to-value is 80% or less and you choose not to escrow, there is a fee of .25% for the escrow waiver.  Your rates and points may differ from what is listed and depends on the individual credit score and loan-to-value.
 
 

Rates as of Friday, November 20, 2009
Interest Rate Points Origination Fee Annual Percentage Rate Payment per $1,000 Closing Costs Apply
30 Year Fixed - Purchase
4.750% 0.000 1.000% 4.878% $5.22 $4,340.75
4.500% 1.125 1.000% 4.725% $5.07 $5,465.75
4.375% 2.000 1.000% 4.676% $4.99 $6,340.75
4.250% 3.000 1.000% 4.638% $4.92 $7,340.75
30 Year Fixed - Refinance
4.750% 0.000 1.000% 4.878% $0.00 $2,769.88
4.500% 1.125 1.000% 4.725% $5.07 $3,894.88
4.375% 2.000 1.000% 4.676% $4.99 $4,769.88
4.250% 3.000 1.000% 4.638% $4.92 $5,769.88
20 Year Fixed - Purchase
4.625% 0.125 1.000% 4.815% $6.39 $4,465.75
4.250% 3.000 1.000% 4.786% $6.19 $7,340.75
20 Year Fixed - Refinance
4.625% 0.125 1.000% 4.815% $6.39 $2,894.88
4.250% 3.000 1.000% 4.786% $6.19 $5,769.88
15 Year Fixed - Purchase
4.250% 0.000 1.000% 4.470% $7.52 $4,340.75
3.750% 3.000 1.000% 4.426% $7.27 $7,340.75
15 Year Fixed - Refinance
4.250% 0.000 1.000% 4.470% $7.52 $2,769.88
3.750% 3.000 1.000% 4.426% $7.27 $5,769.88