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Personal and Business Banking

DCU Fixed Rate Mortgages

Fixed Rate Mortgages


The security of a fixed payment and DCU
service for the life of your mortgage.

Fixed Rates as low as

%


APR1

10-year fixed, 0 points

Fixed rate mortgages provide the peace of mind of knowing that your monthly principal and interest payment will remain the same for whatever term you choose. Couple that with DCU’s exceptional service for the life of the loan and we think you’ll love these fixed rate options.

  • For new home purchases or refinancing – whether you’re a first-time homebuyer or a veteran to the process, we’ve got the options and expertise to walk you through the mortgage process.
  • 3% down program – 1 unit primary residences are eligible for this 30-year program with lender paid mortgage insurance. Borrowers cannot own additional residential property at closing. Other terms and restrictions apply.
  • No points and no points/no closing cost options available
  • Borrow for 1 to 4 family primary residences, second homes, or investment properties – Terms up to 30 years allow you to find a monthly payment that fits into your budget.
  • 60-day rate lock – Don’t lose out on that low rate as you go through the mortgage process!

1 - Annual Percentage Rate

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Fixed-Rate Mortgage Rates:

The following Fixed Mortgage rates are for loans up to $453,100* with no points

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Term / Property Points Interest Rate Annual Percentage Rate Estimated
Monthly Payment
per $1,000^
30-Year Fixed
1 unit owner occupied, purchases only,
97% of home value
0 points 5.125% 5.22% $5.44
30-Year Fixed
Owner occupied, up to 95% of home value
0 points 4.750% 4.84% $5.22
20-Year Fixed
Owner occupied, up to 95% of home value
0 points 4.500% 4.62% $6.33
15-Year Fixed
Owner occupied, up to 95% of home value
0 points 4.125% 4.27% $7.46
10-Year Fixed
Owner occupied, up to 95% of home value
0 points 3.875% 4.08% $10.07

^Estimated Monthly Payment per $1000 – Loan principal and interest. If an escrow account for taxes and insurance is required, total monthly payment will be higher.

*Rates are effective  and are subject to change at any time. Rates locked in today for 60 days have an expiration date of . Rates apply to loans up to $453,100 (also known as "conforming mortgages").

Rates and Fees disclosed are for loans that meet Secondary Mortgage Market underwriting standards; additional rate and fees may apply for loans outside of those guidelines.


Jumbo Fixed-Rate Mortgage Rates:

The following Fixed Mortgage rates are for loans over $453,100* with no points

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Term / Property Points Interest Rate Annual Percentage Rate Estimated
Monthly Payment
per $1,000^
Jumbo 30-Year Fixed
Owner occupied, up to 90% of home value
0 points 4.750% 4.81% $5.22
Jumbo 15-Year Fixed
Owner occupied, up to 90% of home value
0 points 4.125% 4.21% $7.46
Jumbo 10-Year Fixed
Owner occupied, up to 90% of home value
0 points 3.875% 4.00% $10.07

^Estimated Monthly Payment per $1000 – Loan principal and interest. If an escrow account for taxes and insurance is required, total monthly payment will be higher.

*Rates are effective  and are subject to change at any time. Rates locked in today for 60 days have an expiration date of . Rates apply to loans larger than $453,100 (also known as "jumbo mortgages"). Further restrictions apply for loan amounts over $453,100 such as credit score, Loan to Value, etc.

Rates and Fees disclosed are for loans that meet Secondary Mortgage Market underwriting standards; additional rate and fees may apply for loans outside of those guidelines.


4 out of 5 stars filled

DCU Members rated Fixed-Rate Mortgages 4 out of 5 stars

Here's what they're saying:

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    Excellent Service

    DCU listened to our needs and delivered a mortgage that met both our financial and logistical needs. It's good to be with an institution that takes care of their members with high service.

    ~ Susan
    Boston, MA

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    Great Rates and Customer Service

    I refinanced my house with DCU three years ago and locked in a great rate. The representative from DCU was not only polite but very informative of other products. I ended up refinancing my car payment and saved quite a bit by doing so. I am now in the process of taking out an equity line of credit with DCU.

    ~ Sally
    Acton, MA

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    Great product, easy process

    From the moment I first applied for this mortgage to the time I was ready to move on to processing, DCU has been upfront, incredibly helpful, and informative. I would recommend DCU to everyone looking for a mortgage.

    ~ KelM72
    Leominster, MA

Previous videos Next videos
Fixed-Rate Mortgages is rated 4.0 out of 5 by 288.
Rated 5 out of 5 by from This product competes as the best on the market We have been absolutely satisfied with the product and service - lots of options to meet our needs and financial goals - could not be happier
Date published: 2018-12-08
Rated 5 out of 5 by from Easy to apply and great service All the folks involved guided us through the process with patience and professionalism.
Date published: 2018-11-03
Rated 5 out of 5 by from The Mortgage loan processors were easy to work with and very helpful Doing the document reviews and signing online worked very well and make the over loan application/process easy.
Date published: 2018-08-20
Rated 5 out of 5 by from Our interest rate was competitive. The process was timely and efficient. Communications were good. Staff members were professional and friendly. The 30-yr fixed mortgage product was competitive. It was rhe quality and professiolism of the DCU staff, and their sensitivity to our needs that distinguishes DCU’s offering from the competition.
Date published: 2018-07-21
Rated 5 out of 5 by from Customer is kept well informed I was well informed with regards to each step in the mortgage application process. I greatly appreciate knowing what was happening and what I needed to do at each step toward the closing. I would recommend DCU for it's customer service and great rates. Thank you.
Date published: 2018-07-14
Rated 5 out of 5 by from Great features I've been a DCU member for over 30 years. You have the best products and services!
Date published: 2018-07-04
Rated 5 out of 5 by from Excellent DCU has great offer with lower interest rate. Excellent service.
Date published: 2018-04-28
Rated 5 out of 5 by from Smooth and easy experience DCU made this transaction simple and easy. Great communication and no headaches for me. Thanks
Date published: 2018-04-02
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Can your mortgages be used to purchase homes in other US states if the primary residence of the borrower is there?

Hi, my wife and I just recently moved to Montana and established our primary residence in Bozeman, Montana. We have all our accounts (checking, savings, etc.) with DCU. We are looking to buy a home (most likely townhouse or condo) in Bozeman in 2015. Would it be possible to use a mortgage from DCU to purchase a home in the Bozeman area? Are there any special requirements which would become relevant (i.e. higher down payment, etc.) to qualify for a DCU mortgage in this case? Best Regards
Asked by: BoonMonkey
I live in Michigan, and I recently got the mortgage loan with DCU, and as far as I know there is not difference in the processing, you may contact the mortgage agents to be sure about your question.
Answered by: Naga
Date published: 2018-04-23

How do I find the original or remaining term of my mortgage?

Asked by: DCU Member
I filled out a survey which I asked why the closing value of my old mortage was at 84k and at the closing it rose to 87k. Which caused me to bring a check to the closing when I should have been receiving one instead?Someone called from your branch and told us they would get back an answer tomorrow. I found this to be outstanding it wasn't what I expected to hear.Now it has been almost a week and not only has that person that contacted us or anyone from that office called after countless times trying to get in touch. I myself praise DCU up & down the streets. The only reason I remortgaged was to get away from BIG BANKS !!! Now it seems your treating me the same!! NOT SO HAPPY CUSTOMER
Answered by: PUP
Date published: 2013-10-23

Does DCU offer investment property loans?

Asked by: DCU Member
Yes, in fact DCU was one of the few banks I found that provides this service.
Answered by: georgem
Date published: 2013-10-23

Finance Condo

I would like to purchase a condo as my primary residence. Most condos are not included on the Fannie Mae or FHA list online. What requirements does DCU have?
Asked by: Deb
You'll need 30 days of most recent paystubs, your W2's for the past two years, most recent month’s/quarterly statements for any non-DCU bank, retirement, IRA, or investment accounts. Those are the documents needed to get the ball rolling for an initial pre-qualification letter. If that's approved and you're continuing with the application, you'll be submitting information like the home inspection report, copy of earnest money deposit check, documentation if you take money out of any retirement accounts or any money gifts.
Answered by: Sam
Date published: 2018-09-15

refi mortgage

how do i apply for a refi on my home online?
Asked by: bob
I've done two refi's in the last year with DCU. Both were started online, but that's really only the beginning of the process. You fill out as much information as you can on the online application, then a mortgage rep contacts you and you fill him/her in on any details that may not have come across on the app. Then they send you to a web site where you digitally sign all of the initial disclosures. You will also have to scan some documents like pay stubs, 1040's, etc. and send those via email (there's a secure email system you can use). It gets reviewed, sent to the underwriters who check it, then you get a call from the closing attorney to set up a time and place to close (you have to do that part in person). In our case, the paralegal came to our house to do the closing, so it was very convenient. The process was relatively painless, and very fast and convenient.
Answered by: condo-owner515
Date published: 2015-01-10
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