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Get predictable monthly payments with a fixed-term mortgage. Terms include 10, 15, 20, 25, and 30 years.
Choose one of five jumbo fixed-rate mortgage options with loans from $766,551 up to $2.5 million.
Fixed-rate mortgages have a fixed interest rate for the life of the loan. The monthly payment for principal and interest on a fixed-rate loan stays the same every month for the term of the loan.
You have the option to buy down the interest rate by paying discount points upfront. You can choose to lock in your interest rate once you’ve signed a sales agreement, or wait until closer to closing.
PMI may be required. Contact one of our mortgage originators to find out which mortgage product is right for you.
Have questions or want to chat with someone about our fixed-rate mortgages? Speak with one of our mortgage originators today to discuss your options. Originators are available Monday – Friday 8 a.m. – 5 p.m. and Saturday 9 a.m. - 12 p.m. at 800.237.7328, ext. 3878.
After you submit your mortgage application, a PSECU mortgage originator will review your application. We’ll answer any questions you may have and, if you're qualified, provide you with a prequalification letter if you’re purchasing a home. The prequalification letter lets you know exactly how much house you can afford and helps you make a strong bid to the seller.
Once you find the right house and go under contract, we can move forward in the loan process. At this time, you provide more detailed financial information. Throughout the process, our mortgage originators will keep you up to date regarding the status of your loan to make sure everything is on track. After closing, we’ll service your loan through the life of your mortgage.
We will finance properties that are:
We will not finance properties that are:
You may request to waive an escrow account if the loan-to-value (LTV) is 80% or lower, taxes and insurance have been paid timely in the past, and you have the ability to pay them on your own.
Each point is equal to one percent of the loan amount. The cost of points is added onto closing costs and may buy down to a lower interest rate than what is posted. Please contact a mortgage consultant for more information.
Private Mortgage Insurance (PMI) is generally required for loans with a loan-to-value (LTV) ratio greater than 80%. This coverage helps protect the lender in case you can't make your payments and default on the loan. PMI makes it possible for borrowers with small down payments to buy a home.
At PSECU, you’ll find a wide variety of mortgage loan products, customized service, and experts to guide you through the mortgage application process.
Need to talk to us directly? Call 800.237.7328 or send an inquiry.
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