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Mortgage Center

Let us help you buy or refinance your home

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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!

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house icon  Refinancing?

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

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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
1 unit owner occupied, purchases only,
97% of home value
0 points 4.375% 4.46% $4.99
30-Year Fixed
Owner occupied, up to 95% of home value
0 points 3.875% 3.95% $4.70
20-Year Fixed
Owner occupied, up to 95% of home value
0 points 3.625% 3.73% $5.86
15-Year Fixed
Owner occupied, up to 95% of home value
0 points 3.250% 3.38% $7.03
10-Year Fixed
Owner occupied, up to 95% of home value
0 points 3.000% 3.18% $9.66

*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 $424,100 (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.

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.

Term / Property Months Points Interest Rate APR** Initial/Annual/
Life Rate Change
Caps
Margin/Index Estimated
Monthly Payment
per $1,000
5/1 ARM First 60
Next 300
0 3.250%
4.000%
3.81%
3.81%
2% / 2% / 5% 2.75% / 1.22% $4.35
$4.71
5/5 ARM First 60
Next 300
0 3.500%
4.500%
4.22%
4.22%
2% / 2% / 5% 2.75% / 1.78% $4.49
$4.99
7/1 ARM First 84
Next 276
0 3.375%
4.000%
3.78%
3.78%
5% / 2% / 5% 2.75% / 1.22% $4.42
$4.70
10/1 ARM First 120
Next 240
0 3.500%
4.000%
3.77%
3.77%
5% / 2% / 5% 2.75% / 1.22% $4.49
$4.69

*Rates are effective  and are subject to change at any time, and may increase. Rates locked in today for 60 days have an expiration date of . Rates apply to loans up to $424,100 (also known as "conforming mortgages").

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. The stated amount per $1,000 is based on the fixed rate period and the payment will likely increase after that period of time.

**APR – Annual Percentage Rate. Please note that APR may increase after consummation.

All rates are based upon a 30-year term, owner occupied, and up to 60% of home value.

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.

Rate Change Caps – This is the maximum amount interest rates on Adjustable Rate Loans can change up or down. The first number is the amount they can change up or down on the first adjustment date. The second number is the amount they can change each subsequent year on the anniversary date. The third number is the maximum total change, up or down, over the life of the loan. Since the index in the future is unknown, the first adjustment payments displayed are based on the current index plus the margin (fully indexed rate) as of the effective date above.

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 3.875% 3.92% $4.70
Jumbo 15-Year Fixed
Owner occupied, up to 90% of home value
0 points 3.250% 3.33% $7.03
Jumbo 10-Year Fixed
Owner occupied, up to 90% of home value
0 points 3.000% 3.10% $9.66

*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 $424,100 (also known as "jumbo mortgages"). Further restrictions apply for loan amounts over $424,100 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.

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.

Term / Property Months Points Interest Rate APR** Initial/Annual/
Life Rate Change
Caps
Margin/Index Estimated
Monthly Payment
per $1,000
Jumbo 5/1 ARM First 60
Next 300
0 3.375%
4.125%
3.90%
3.90%
2% / 2% / 5% 2.875% / 1.22% $4.42
$4.79
Jumbo 5/5 ARM First 60
Next 300
0 3.625%
4.625%
4.31%
4.31%
2% / 2% / 5% 2.875% / 1.78% $4.56
$5.06
Jumbo 7/1 ARM First 84
Next 276
0 3.500%
4.125%
3.88%
3.88%
5% / 2% / 5% 2.875% / 1.22% $4.49
$4.78
Jumbo 10/1 ARM First 120
Next 240
0 3.625%
4.125%
3.86%
3.86%
5% / 2% / 5% 2.875% / 1.22% $4.56
$4.76

*Rates are effective  and are subject to change at any time, and may increase. Rates locked in today for 60 days have an expiration date of . Rates apply to loans larger than $424,100 (also known as "jumbo mortgages"). Further restrictions apply for loan amounts over $424,100 such as credit score, Loan to Value, etc.

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. The stated amount per $1,000 is based on the fixed rate period and the payment will likely increase after that period of time.

**APR – Annual Percentage Rate. Please note that APR may increase after consummation.

All rates are based upon a 30-year term, owner occupied, and up to 60% of home value.

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.

Rate Change Caps – This is the maximum amount interest rates on Adjustable Rate Loans can change up or down. The first number is the amount they can change up or down on the first adjustment date. The second number is the amount they can change each subsequent year on the anniversary date. The third number is the maximum total change, up or down, over the life of the loan. Since the index in the future is unknown, the first adjustment payments displayed are based on the current index plus the margin (fully indexed rate) as of the effective date above.

  • 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.

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Today's Best Rates

Loans $424,100 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 $424,100
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.