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Buying the Perfect House Should be Easy

We make the homebuying process simple, so you can spend less time stressing over your finances and more time finding your dream home.

6.875% (6.980% APR1)

30-year fixed

Estimated Monthly Payment
$1,970.79

6.250% (6.351% APR2)

5/1 ARM

Estimated Monthly Payment
$1,847.15

6.375% (6.477% APR2)

7/1 ARM

Estimated Monthly Payment
$1,871.61

Mortgage Solutions

Conventional Loans

  • Fixed and adjustable rates
  • Lower closing costs
  • Up to 30-year terms
  • Jumbo loan options available
  • May be right for you if you:
    • Like predictable monthly payments
    • Want to secure rates for the long haul

5/1 Adjustable Rate
Mortgage (ARM)2

  • Fixed for 5 years, then adjusts every year thereafter
  • May be right for you if you’re:
    • Looking to move within five years
    • Planning to refinance in the next five years
    • Comfortable with a rate adjustment after the initial 5-year fixed term

7/1 Adjustable Rate
Mortgage (ARM)2

  • Fixed for 7 years, then adjusts every year thereafter
  • Similar to the 5/1 ARM, but with a longer initial fixed term
  • May be right for you if you’re:
    • Looking to move within seven years
    • Planning to refinance in the next seven years
    • Comfortable with a rate adjustment after the initial 7-year fixed term

VA Loans

  • Up to 100% financing
  • Less restrictive qualifying terms
  • May be right for you if:
    • You’re active or retired military, reservist, or surviving spouse

FHA Loans

  • Low down payment
  • Flexible guidelines for qualifying ratio
  • May be right for you if:
    • You’re a first time homebuyer

Calculate Your Monthly Mortgage Payment

Determine your monthly payment on a conventional loan.

Refinance Your Mortgage

Life (and rates!) can change since you first bought your home. Sometimes revisiting your mortgage loan can mean a lower rate and more money in your pocket each month.

Consider refinancing if you want to:

  • Lower your interest rate and monthly payments
  • Eliminate or lower mortgage insurance
  • Consolidate debt
  • Pay off your home faster
  • Avoid increasing payments in an ARM loan
  • You’re upside down on your loan
  • Remove a co-borrower from your loan
  • Convert your home equity into cash

Let’s Connect

Let’s discuss which mortgage solution works best for you.


Bank easier, bank faster, and bank better with Signal Financial Federal Credit Union.
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