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 3.625% 3.87% $4.56
1 points 3.750% 3.91% $4.63
0 points 3.875% 3.95% $4.70
NPNC 4.500% 4.53% $5.07
20-Year Fixed
Owner occupied, up to 95% of home value
2 points 3.375% 3.71% $5.74
1 points 3.500% 3.72% $5.80
0 points 3.625% 3.73% $5.86
NPNC 4.250% 4.29% $6.19
15-Year Fixed
Owner occupied, up to 95% of home value
2 points 2.875% 3.29% $6.85
1 points 3.000% 3.27% $6.91
0 points 3.125% 3.25% $6.97
NPNC 3.750% 3.80% $7.27
10-Year Fixed
Owner occupied, up to 95% of home value
2 points 2.625% 3.23% $9.48
1 points 2.750% 3.14% $9.54
0 points 2.875% 3.05% $9.60
NPNC 3.500% 3.56% $9.89

*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 $417,000 (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.

NPNC = No Points, No Closing Costs program. The minimum loan for NPNC is $100,000.

Term / Property Months Points Interest Rate APR** Initial/Annual/
Life Rate Change
Caps
Margin/Index Estimated
Monthly Payment
per $1,000
3/1 ARM First 36
Next 324
0.5 2.375%
3.125%
3.07%
3.07%
2% / 2% / 6% 2.75% / 0.39% $3.89
$4.25
First 36
Next 324
0 2.500%
3.125%
3.05%
3.05%
2% / 2% / 6% 2.75% / 0.39% $3.95
$4.25
5/1 ARM First 60
Next 300
0 2.750%
3.125%
3.06%
3.06%
2% / 2% / 5% 2.75% / 0.39% $4.08
$4.25
5/5 ARM First 60
Next 300
0 3.000%
4.375%
3.96%
3.96%
2% / 2% / 5% 2.75% / 1.52% $4.22
$4.88
7/1 ARM First 84
Next 276
0.5 2.875%
3.125%
3.12%
3.12%
5% / 2% / 5% 2.75% / 0.39% $4.15
$4.26
First 84
Next 276
0 3.000%
3.125%
3.14%
3.14%
5% / 2% / 5% 2.75% / 0.39% $4.22
$4.27
10/1 ARM First 120
Next 240
0.5 3.125%
3.125%
3.23%
3.23%
5% / 2% / 5% 2.75% / 0.39% $4.28
$4.28
First 120
Next 240
0 3.250%
3.125%
3.27%
3.27%
5% / 2% / 5% 2.75% / 0.39% $4.35
$4.30

*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 $417,000 (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.

All rates are based upon a 30-year term, owner occupied, and up to 95% 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
2 points 3.625% 3.84% $4.56
1 points 3.750% 3.88% $4.63
0 points 3.875% 3.92% $4.70
Jumbo 15-Year Fixed
Owner occupied, up to 90% of home value
2 points 2.875% 3.24% $6.85
1 points 3.000% 3.22% $6.91
0 points 3.125% 3.20% $6.97
Jumbo 10-Year Fixed
Owner occupied, up to 90% of home value
2 points 2.625% 3.15% $9.48
1 points 2.750% 3.06% $9.54
0 points 2.875% 2.98% $9.60

*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 $417,000 (also known as "jumbo mortgages"). Further restrictions apply for loan amounts over $417,000 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 3/1 ARM First 36
Next 324
0.5 2.375%
3.250%
3.13%
3.13%
2% / 2% / 6% 2.875% / 0.39% $3.89
$4.31
First 36
Next 324
0 2.500%
3.250%
3.12%
3.12%
2% / 2% / 6% 2.875% / 0.39% $3.95
$4.32
Jumbo 5/1 ARM First 60
Next 300
0 2.750%
3.250%
3.12%
3.12%
2% / 2% / 5% 2.875% / 0.39% $4.08
$4.31
Jumbo 5/5 ARM First 60
Next 300
0 3.000%
4.500%
4.01%
4.01%
2% / 2% / 5% 2.875% / 1.52 $4.22
$4.94
Jumbo 7/1 ARM First 84
Next 276
0.5 2.875%
3.250%
3.16%
3.16%
5% / 2% / 5% 2.875% / 0.39% $4.15
$4.31
First 84
Next 276
0 3.000%
3.250%
3.17%
3.17%
5% / 2% / 5% 2.875% / 0.39% $4.22
$4.32
Jumbo 10/1 ARM First 120
Next 240
0.5 3.125%
3.250%
3.25%
3.25%
5% / 2% / 5% 2.875% / 0.39% $4.28
$4.33
First 120
Next 240
0 3.250%
3.250%
3.29%
3.29%
5% / 2% / 5% 2.875% / 0.39% $4.35
$4.35

*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 $417,000 (also known as "jumbo mortgages"). Further restrictions apply for loan amounts over $417,000 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.

All rates are based upon a 30-year term, owner occupied, and up to 90% 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.

Free Preapproval

Find out how much you can borrow

800.328.8797 choose 3

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

Equal Housing Opportunity

© 2015 Digital Federal Credit Union

DCU Insurance

220 Donald Lynch Boulevard

Marlborough, MA 01752-9130

800.328.8797, ext. 6978

Email: insurance@dcu.org

DCU Insurance (DCU Financial Insurance Services, LLC) is an affiliate of Digital Federal Credit Union (DCU). Business conducted with DCU Insurance is separate and distinct from any business conducted with the credit union. Remember that any insurance required as a condition of the extension of credit by DCU need not be purchased from DCU Insurance but may, without affecting the approval of the application for credit, be purchased from an agent or insurance company of the member's choice. Insurance products are not deposits of DCU and are not protected by the NCUA. They are not an obligation of or guaranteed by the credit union and may be subject to risk. If you have any concerns or complaints regarding this relationship, you may contact the MA Office of Consumer Affairs, or the insurance department of your state. For information on how to contact them, please contact DCU Insurance.