Mortgage and Home Equity Rates & Terms

Find your low-rate home loan at UNIFY

Apply Online
 

Competitive Home Loan Rates

UNIFY offers fixed rate and variable rate home loans nationwide to meet your mortgage needs. View our current home loan rates below and play with our free home loan calculators to find the perfect UNIFY mortgage for you. From loan application to funding, your UNIFY Loan Specialist will walk you through your options, so you can walk around happy.
 

  • Fixed Rate Mortgage Rates

    Fixed Rate Home Loans

    Conforming Fixed Rate Home Loans

    Loan limits based on number of units and county of subject property.¹

    Loan Rates
    as low as
    Loan
    Points
    APR* Estimated Payment
    Per $1,0002
    30 Year Fixed Loan Rates
    5.675% 0.625 5.732% $ 5.79
    5.775% 0.287 5.801% $ 5.85
    5.875% 0.000 5.875% $5.92
    20 Year Fixed Loan Rates
    5.300% 0.450 5.300% $6.77
    5.400% 0.250 5.430% $6.82
    5.500% 0.000 5.500% $6.88
    15 Year Fixed Loan Rates
    4.925% 0.450 4.993% $7.87
    5.025% 0.200 5.055% $7.92
    5.125% 0.000 5.125% $7.97

    Learn More About Fixed Rate Loans  Apply for a Fixed Mortgage

    Jumbo Fixed Rate Home Loans

    Jumbo home loans up to $2,500,000

    Loan Rates
    as low as
    Loan
    Points
    APR* Estimated Payment
    Per $1,0002
    30 Year Jumbo Fixed Loan Rates
    5.425% 2.000 5.604% $5.63
    5.525% 1.000 5.615% $5.69
    5.625% 0.000 5.625% $5.76
    15 Year Jumbo Fixed Loan Rates
    5.175% 1.200 5.357% $8.00
    5.275% 0.600 5.367% $8.05
    5.375% 0.000 5.375% $8.10

    Learn More About Jumbo Fixed Loans  Apply for a Jumbo Fixed Mortgage

  • Adjustable Rate Mortgage Rates

    Adjustable Rate Home Loans

    Conforming Adjustable Rate Home Loans1,2

    Loan limits based on number of units and county of subject property.

    5/1 ARM

    Introductory Period: 60 Months
    Adjustable Period: 300 Months 

    Loan Rates
    as low as
    Loan
    Points
    APR* Introductory Period Payment per $1,0002 Adjustable Period Payment per $1,0002
    5.550% 0.150 6.682% $5.71 $7.33
    5.575% 0.100 6.687% $5.73 $7.33
    5.625% 0.000 6.697% $5.76 $7.33
    Learn More  Apply for a 5/1 ARM
    7/1 ARM

    Introductory Period: 84 Months
    Adjustable Period: 276 Months 

    Loan Rates
    as low as
    Loan
    Points
    APR* Introductory Period Payment per $1,0002 Adjustable Period Payment per $1,0002
    5.900% 0.200 6.647% $5.93 $7.56
    5.950% 0.100 6.662% $5.96 $7.56
    6.000% 0.000 6.678% $6.00 $7.56
    Learn More  Apply for a 7/1 ARM
    10/1 ARM

    Introductory Period: 120 Months
    Adjustable Period: 240 Months

    Loan Rates
    as low as
    Loan
    Points
    APR* Introductory Period Payment per $1,0002 Adjustable Period Payment per $1,0002
    6.025% 0.263 6.519% $6.01 $8.00
    6.075% 0.112 6.537% $6.04 $8.00
    6.125% 0.000 6.559% $6.08 $8.00
    Learn More  Apply for a 10/1 ARM

     

    Jumbo Adjustable Rate Home Loans1,2

    Up to $2,500,000

    5/1 JUMBO ARM

    Introductory Period: 60 Months
    Adjustable Period: 300 Months 

    Loan Rates
    as low as
    Loan
    Points
    APR* Introductory Period Payment per $1,0002 Adjustable Period Payment per $1,0002
    5.300% 0.800 6.646% $5.55 $7.33
    5.400% 0.400 6.648% $5.62 $7.33
    5.500% 0.000 6.649% $5.68 $7.33
    Learn More  Apply for a Jumbo 5/1 ARM
    7/1 JUMBO ARM

    Introductory Period: 84 Months
    Adjustable Period: 276 Months 

    Loan Rates
    as low as
    Loan
    Points
    APR* Introductory Period Payment per $1,0002 Adjustable Period Payment per $1,0002
    5.425% 1.000 6.483% $5.63 $7.56
    5.525% 0.500 6.487% $5.69 $7.56
    5.625% 0.000 6.491% $5.76 $7.56
    Learn More  Apply for a Jumbo 7/1 ARM
    10/1 JUMBO ARM

    Introductory Period: 120 Months
    Adjustable Period: 240 Months

    Loan Rates
    as low as
    Loan
    Points
    APR* Introductory Period Payment per $1,0002 Adjustable Period Payment per $1,0002
    5.550% 1.200 6.301% $5.71 $8.00
    5.650% 0.600 6.310% $5.77 $8.00
    5.750% 0.000 6.319% $5.84 $8.00
    Learn More  Apply for a Jumbo 10/1 ARM
  • Home Equity Line & Loan Rates

    Home Equity Rates

    Home Equity Line of Credit (HELOC) Rates

    HELOCs APR* Estimated Payment
    Per $1,0002
    Flex Rate Home Equity Line of Credit (up to 80% CLTV)4,5 as low as 8.49% $7.08
    Fixed-Rate Lock Option2,6 as low as 8.99% $20.75
    Flex Rate Home Equity Line of Credit (up to 90% CLTV)4,5 as low as 9.75% $8.13
    Fixed-Rate Lock Option6(if available)

    as low as 10.99%

    $21.74

    Learn More About HELOCs  Apply for a HELOC

    Home Equity Loan Rates

    Up to $250,000

    Home Equity Loans APR* Estimated Payment
    Per $1,0002
    Home Equity Loan4,2 as low as 8.99% $20.75

    Learn More About Home Equity Loans  Apply for a Home Equity Loan

  • Down Payment Second Mortgage Helper

    Down Payment Second Mortgage Helper

    Up to $250,000

    Mortgage APR* Estimated Payment
    Per $1,0002
    Down Payment Second Mortgage Helper4,7 as low as 11.99% $12.00

    Learn More About Second Mortgage  Apply for a Down Payment Second Mortgage Helper

Apply for your home loan today!

Apply online

Mortgage Calculator

What will my mortgage payment be?

Additional mortgage calculators     Apply Now

UNIFY University: Mortgages

Father and son wearing jackets, sitting on large rock at beach

Insure Your Present, Safeguard Your Future

Life is unpredictable. UNIFY Insurance Solutions can provide stability in the face of sudden, unexpected change.1
Read More
Couple with laptop sitting on sofa holding papers

Things to Consider Before Taking Out a Loan

Read More
Young couple standing in their new home

Reduce Your Homeowner Insurance Premium

The old adage, "every penny saved, is a penny earned" can easily be applied to your homeowner’s insurance policy.
Read More
Couple sitting at kitchen table looking at each other smiling while holding documents

Is Now The Time to Refinance Your Mortgage?

Whether you want a lower interest rate or the predictability of a fixed rate loan, homeowners are asking when the right time is to refinance their
Read More

Fixed & Adjustable Rate Mortgage Disclosures

*APR = Annual Percentage Rate.
1Conforming loan amount limits:

Subject Property  
Conforming Loan Limit  
High-Cost County Loan Limit  
1-Unit
$726,200
$1,089,300
2-Unit
$929,850
$1,394,775
3-Unit
$1,123,900
$1,685,850
4-Unit
$1,396,800
$2,095,200

Please contact a UNIFY Mortgage Lending Specialist at 877.254.9328 x 6213 to determine the maximum conforming amount for your county.
2All payments are shown per $1,000 financed, based on $400,000 conforming or $2,500,000 jumbo loan (except Home Equity Loan and Flex Rate Home Equity Line of Credit which are based on $250,000), and exclude taxes and insurance.
3Rate subject to change annually after introductory period. Rate change based on one-year CMT index plus a margin of 2.75%.
4Maximum interest rate = 18% APR. Closing costs range from $500 to $1,100 depending upon state. Estimate of costs will be provided if your request is approved. Closing costs and origination fees waived for HELOC and Home Equity Loans. HELOC or Home Equity Loan must remain open for at least 36 months from date of closing. If HELOC or Home Equity Loan is paid off and terminated within 36 months of closing date, closing costs and origination charges up to $500 will be added to the loan payoff amount.
5Interest only HELOC products are not available if the loan in first position is also interest-only or negative amortizing. Estimated payment shown is calculated as interest only, as available during the draw period. 
6Maximum interest rate = 18% APR. Maximum three fixed rate lock options open at any time. Rates are subject to change without notice.
7Rate and payment shown calculated on 5-year term.

Loan approval: All applicants MUST meet loan approval criteria which are based on credit history, debts, ability to repay, home ownership and home value. A $500 non-refundable fee is charged once member indicates their intent to proceed with the transaction, after the loan estimate has been delivered in any manner. Acceptable forms of intent to proceed include, verbal communication by phone or in person, email, or a signed pre-printed form. Property Insurance required.
Rates as shown are available from 8am - 2pm Pacific time. After hours pricing is available at an additional cost. Rates are subject to change without notice and based on factors such as, but not limited to, loan-to-value, credit score, location, cash-out refinance and type of property (condo, multi-unit, etc.). Advertised HELOC terms may be subject to state-imposed limitations. Contact UNIFY for details on rate locks.

UnifyFCU.com
Insured by NCUA.  Equal housing lender.  NMLS ID: 613881.

Woman Looking at Sunset over mountains

Credit Union Near Me

UNIFY is always near you with 24/7 call center access and branches nationwide including Los Angeles, Orange County, Plano, Texas, and Northwest Arkansas.

Find a branch near you
Young adults snacking and relaxing

FREE Checking

Yep… we said FREE. Convenient and flexible, our FREE Checking account is the no-fuss way to manage your money.

Get FREE Checking
CHAT NOW