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Mortgage Lending


NCPAFCU offers two mortgage products to our membership: an adjustable and fixed rate mortgage option. Whether you are in the market for a new home or simply want to refinance your existing home, these mortgage loans could be your answer.



5-Year Adjustable Rate Mortgage (ARM)
Because the interest rate may only be adjusted every five years, this product offers additional protection against the possibility of rising rates.1 The rate may not change by more than 2% every five years or 6% over the life of the loan.

% Initial Rate (% APR2) for 80% or less loan-to-value*

Payment Example

Current Interest Rate: %
Fully Indexed Interest Rate: %

The estimated monthly payment is based on a loan amount of $150,000 with an initial interest rate of % (% APR) for the first 5 years of a 30-year loan term. Future rates are subject to change, so the rates for months 61-360 are estimated by adding the margin to the current index rate. Future rates and payments determined based on adding a margin of 1.50% to the index (5-Year Constant Maturity Treasury Yield rounded up to the next highest one-eighth of one percentage point). Subject to a floor rate of %. The index used in the above calculations is 0.45%.

This is a variable rate loan, and the interest rate can increase over the life of the loan. NCPAFCU ARMs can increase or decrease a maximum of 2% every 60 months up to 6% over your initial rate during the life of the loan.

Taxes and insurance are not included in the estimated monthly payment amount. Your actual monthly payment will be greater.

Contact your local branch for additional information.

% Initial Rate (% APR2) for 80.1% to 90% loan-to-value*

Payment Example

Current Interest Rate: %
Fully Indexed Interest Rate: %

The estimated monthly payment is based on a loan amount of $150,000 with an initial interest rate of % (% APR) for the first 5 years of a 30-year loan term. Future rates are subject to change, so the rates for months 61-360 are estimated by adding the margin to the current index rate. Future rates and payments determined based on adding a margin of 2.00% to the index (5-Year Constant Maturity Treasury Yield rounded up to the next highest one-eighth of one percentage point). Subject to a floor rate of %. The index used in the above calculations is 0.45%.

This is a variable rate loan, and the interest rate can increase over the life of the loan. NCPAFCU ARMs can increase or decrease a maximum of 2% every 60 months up to 6% over your initial rate during the life of the loan.

Taxes and insurance are not included in the estimated monthly payment amount. Your actual monthly payment will be greater.

Contact your local branch for additional information.

% Initial Rate (% APR2) for 90.1% to 100% loan-to-value*

Payment Example

Current Interest Rate: %
Fully Indexed Interest Rate: %

The estimated monthly payment is based on a loan amount of $150,000 with an initial interest rate of % (% APR) for the first 5 years of a 30-year loan term. Future rates are subject to change, so the rates for months 61-360 are estimated by adding the margin to the current index rate. Future rates and payments determined based on adding a margin of 2.50% to the index (5-Year Constant Maturity Treasury Yield rounded up to the next highest one-eighth of one percentage point). Subject to a floor rate of %. The index used in the above calculations is 0.45%.

This is a variable rate loan, and the interest rate can increase over the life of the loan. NCPAFCU ARMs can increase or decrease a maximum of 2% every 60 months up to 6% over your initial rate during the life of the loan.

Taxes and insurance are not included in the estimated monthly payment amount. Your actual monthly payment will be greater.

Contact your local branch for additional information.

% Initial Rate (% APR2) for 100.1% to 110% loan-to-value*

Payment Example

Current Interest Rate: %
Fully Indexed Interest Rate: %

The estimated monthly payment is based on a loan amount of $150,000 with an initial interest rate of % (% APR) for the first 5 years of a 30-year loan term. Future rates are subject to change, so the rates for months 61-360 are estimated by adding the margin to the current index rate. Future rates and payments determined based on adding a margin of 3.50% to the index (5-Year Constant Maturity Treasury Yield rounded up to the next highest one-eighth of one percentage point). Subject to a floor rate of %. The index used in the above calculations is 0.45%.

This is a variable rate loan, and the interest rate can increase over the life of the loan. NCPAFCU ARMs can increase or decrease a maximum of 2% every 60 months up to 6% over your initial rate during the life of the loan.

Taxes and insurance are not included in the estimated monthly payment amount. Your actual monthly payment will be greater.

Contact your local branch for additional information.
*Click to expand for additional program information and APR2 Calculation

  • Maximum term of 30 years
  • For purchases, maximum financing and loan-to-value financing tier determined based on the lesser of the sales price or appraised value. Member is responsible for appraisal costs.
  • Origination fee 1% of loan amount
  • No application fees or credit report fees
  • Private mortgage insurance is not required
  • Property must be located in North Carolina
  • Up to 90% financing available for purchases and refinances of primary residences
  • 90.1% to 100% financing available for purchases and no cash-out refinances of single-family primary residences. Cash out is defined as any funds that exceed the balance owed on the first or second mortgages being paid off.
  • 100.1% to 110% financing3,4 available for no cash-out refinances of single-family primary residences. Cash out is defined as any funds that exceed the balance owed on the first or second mortgages being paid off.
  • Initial Rates subject to change daily


Fixed Rate Mortgages
This product offers the borrower a fixed rate for the life of the loan.

10-Year Fixed Rate Mortgage

Fixed Rate of % (% APR2) for 90% or less loan-to-value*

Payment Example

Current Interest Rate: %

The monthly payment is based on a loan amount of $150,000.

Taxes and insurance are not included in the monthly payment amount. Your actual monthly payment will be greater.

Contact your local branch for additional information.

Fixed Rate of % (% APR2) for 90.1% to 100% loan-to-value*

Payment Example

Current Interest Rate: %

The monthly payment is based on a loan amount of $150,000.

Taxes and insurance are not included in the monthly payment amount. Your actual monthly payment will be greater.

Contact your local branch for additional information.
*Click to expand for additional program information and APR2 Calculation

15-Year Fixed Rate Mortgage

Fixed Rate of % (% APR2) for 90% or less loan-to-value*

Payment Example

Current Interest Rate: %

The monthly payment is based on a loan amount of $150,000.

Taxes and insurance are not included in the monthly payment amount. Your actual monthly payment will be greater.

Contact your local branch for additional information.

Fixed Rate of % (% APR2) for 90.1% to 100% loan-to-value*

Payment Example

Current Interest Rate: %

The monthly payment is based on a loan amount of $150,000.

Taxes and insurance are not included in the monthly payment amount. Your actual monthly payment will be greater.

Contact your local branch for additional information.
*Click to expand for additional program information and APR2 Calculation

20-Year Fixed Rate Mortgage

Fixed Rate of % (% APR2) for 90% or less loan-to-value*

Payment Example

Current Interest Rate: %

The monthly payment is based on a loan amount of $150,000.

Taxes and insurance are not included in the monthly payment amount. Your actual monthly payment will be greater.

Contact your local branch for additional information.

Fixed Rate of % (% APR2) for 90.1% to 100% loan-to-value*

Payment Example

Current Interest Rate: %

The monthly payment is based on a loan amount of $150,000.

Taxes and insurance are not included in the monthly payment amount. Your actual monthly payment will be greater.

Contact your local branch for additional information.
*Click to expand for additional program information and APR2 Calculation

  • Origination fee 1% of loan amount
  • No application fees or credit report fees
  • Private mortgage insurance is not required
  • Property must be located in North Carolina
  • Up to 90% financing available for purchases and refinances of primary residences
  • 100% financing available for purchases and no cash-out refinances of primary residences
  • For purchases, maximum financing and loan-to-value financing tier determined based on the lesser of the sales price or appraised value
  • Rates subject to change daily


NATIONAL MORTGAGE LICENSING SYSTEM (NMLS) AND S.A.F.E. ACT
The Secure and Fair Enforcement for Mortgage Licensing (S.A.F.E.) Act requires that all mortgage loan originators (MLOs) complete an online registration process through the NMLS Registry. The purpose of the S.A.F.E. Act is to increase accountability of MLOs, enhance consumer protections, reduce fraud in the residential mortgage loan origination process, and provide consumers with easily accessible information concerning the employment history of MLOs and any disciplinary or enforcement actions imposed against MLOs.

A list of all current MLOs for NCPAFCU, including their NMLS registration numbers can be found here.

1Future interest rate changes will be determined based on the five-year Constant Maturity Treasury (CMT) yield.
2APR = Annual Percentage Rate. APR is your cost over the loan term expressed as a rate.
3The interest portion of the loan that is greater than the value of the dwelling is not tax deductible for Federal income tax purposes. Consult a tax advisor for further information regarding the deductibility of interest and charges.
4100.1% to 110% financing up to a maximum of $80,000 loan amount for an individual loan or $160,000 loan amount for a joint loan.



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