What Can DCU Save You?

Mortgage Center

Let us help you buy or refinance your home

  Buying?

Whether you're buying your first home or you're an experienced home buyer, DCU has the right fixed or ARM option and will meet your deadline!

  Learn More

  Refinancing?

DCU has several fixed and ARM refinancing options that will lower your rate, lower your payment, shorten your term or all three

  Learn More

Simple Mortgage Loan Calculator

Enter Amount Borrowed:

mortgage calculator (format: 000000)
Term / Property Points Interest Rate Annual Percentage Rate Estimated
Monthly Payment
per $1,000
30-Year Fixed
Owner occupied, up to 95% of home value
2 points 4.000% 4.25% $4.77
1 points 4.125% 4.29% $4.85
0 points 4.250% 4.33% $4.92
NPNC 4.875% 4.91% $5.29
20-Year Fixed
Owner occupied, up to 95% of home value
2 points 3.750% 4.09% $5.93
1 points 3.875% 4.10% $5.99
0 points 4.000% 4.11% $6.06
NPNC 4.625% 4.67% $6.39
15-Year Fixed
Owner occupied, up to 95% of home value
2 points 3.125% 3.55% $6.97
1 points 3.250% 3.53% $7.03
0 points 3.375% 3.51% $7.09
NPNC 4.000% 4.05% $7.40
10-Year Fixed
Owner occupied, up to 95% of home value
2 points 2.625% 3.23% $9.48
1 points 2.875% 3.27% $9.60
0 points 3.000% 3.18% $9.66
NPNC 3.500% 3.56% $9.89
Term / Property Points Interest Rate Annual Percentage Rate Initial/Annual/
Life Rate Change
Caps
Margin/Index Estimated
Monthly Payment
per $1,000
3/1 ARM
30-year term, owner occupied, up to 95% of home value
0.5 points 2.625% 2.93% 2% / 2% / 6% 2.75% / 0.11% $4.02
0 points 2.750% 2.91% 2% / 2% / 6% 2.75% / 0.11% $4.08
5/1 ARM
30-year term, owner occupied, up to 95% of home value
0 points 2.875% 2.94% 2% / 2% / 5% 2.75% / 0.11% $4.15
5/5 ARM
30-year term, owner occupied, up to 95% of home value
0 points 3.125% 4.00% 2% / 2% / 5% 2.75% / 1.67% $4.00
7/1 ARM
30-year term, owner occupied, up to 95% of home value
0.5 points 3.875% 3.46% 5% / 2% / 5% 2.75% / 0.11% $4.70
0 points 4.125% 3.54% 5% / 2% / 5% 2.75% / 0.11% $4.85
10/1 ARM
30-year term, owner occupied, up to 95% of home value
0.5 points 4.000% 3.69% 5% / 2% / 5% 2.75% / 0.11% $4.77
0 points 4.250% 3.81% 5% / 2% / 5% 2.75% / 0.11% $4.92
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
2 points 4.000% 4.22% $4.77
1 points 4.125% 4.26% $4.85
0 points 4.250% 4.30% $4.92
Jumbo 15-Year Fixed
Owner occupied, up to 90% of home value
2 points 3.125% 3.49% $6.97
1 points 3.250% 3.47% $7.03
0 points 3.375% 3.45% $7.09
Jumbo 10-Year Fixed
Owner occupied, up to 90% of home value
2 points 2.625% 3.15% $9.48
1 points 2.875% 3.19% $9.60
0 points 3.000% 3.10% $9.66
Term / Property Points Interest Rate Annual Percentage Rate Initial/Annual/
Life Rate Change
Caps
Margin/Index Estimated
Monthly Payment
per $1,000
Jumbo 3/1 ARM
30-year term, owner occupied, up to 90% of home value
0.5 points 2.625% 2.99% 2% / 2% / 6% 2.875% / 0.11% $4.02
0 points 2.750% 2.98% 2% / 2% / 6% 2.875% / 0.11% $4.08
Jumbo 5/1 ARM
30-year term, owner occupied, up to 90% of home value
0 points 2.875% 3.00% 2% / 2% / 5% 2.875% / 0.11% $4.15
Jumbo 5/5 ARM
30-year term, owner occupied, up to 90% of home value
0 points 3.125% 4.05% 2% / 2% / 5% 2.875% / 1.67% $4.28
Jumbo 7/1 ARM
30-year term, owner occupied, up to 90% of home value
0.5 points 3.875% 3.49% 5% / 2% / 5% 2.875% / 0.11% $4.70
0 points 4.125% 3.57% 5% / 2% / 5% 2.875% / 0.11% $4.85
Jumbo 10/1 ARM
30-year term, owner occupied, up to 90% of home value
0.5 points 4.000% 3.71% 5% / 2% / 5% 2.875% / 0.11% $4.77
0 points 4.250% 3.82% 5% / 2% / 5% 2.875% / 0.11% $4.92
  • Monthly payments shown include principal and interest
  • Are based on the current "zero points" rate option and maximum loan term for the products shown. Other options are available.

Your Estimated Rate and Payments Will Be:

Loan Type Rate Monthly
Payment
APR*
30-Year Fixed
15-yr fixed
10-yr fixed
5/1 ARM
  • Monthly payments shown do not include real estate taxes, homeowners insurance, or PMI (Private Mortgage Insurance) premiums for loans with loan to values over 80%. The results shown are intended for illustrative purposes only and accuracy is not guaranteed.

Free Preapproval

Find out how much you can borrow

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Today's Best Rates

Loans $417,000 or less
Loan Type Rate APR
30-year-fixed
20-year-fixed
15-yr fixed
10-yr fixed
5/1 ARM
5/5 ARM
Loans over $417,000
Loan Type Rate APR
30-year-fixed
15-year-fixed
10-year-fixed
5/1 ARM
5/5 ARM
Rates for fixed and ARM loans are subject to change. APR = Annual Percentage Rate. All rates shown based on zero points. Other options are available.
Digital Federal Credit Union

220 Donald Lynch Boulevard

PO Box 9130

Marlborough, MA 01752-9130

508.263.6700  |  800.328.8797

ABA Routing Number: 211391825

    

Federally Insured by NCUA

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