St. Thomas Employee Credit Union - Nationwide Branches
Featured - 30 Year Fixed Mortgage Rates 2025
NMLS ID: 432980
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5.867%
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5.750% |
0.00 |
$4,324 |
$1,868 |
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NMLS ID: 118653
License#: CL-118653
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6.036%
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5.990% |
0.50 |
$1,951 |
$1,917 |
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NMLS ID: 401822
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6.116%
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6.000% |
0.63 |
$3,995 |
$1,919 |
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Featured - Home Equity Line Of Credit Rates 2025
Achieve Loans
See Table
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Intro APR
6.990 %
After Intro: 6.990 %
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$0
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More Info
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Offers may vary; all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Fixed rate APRs range from 6.240%- 14.00% and are assigned based on underwriting requirements. Offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (up to 3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. CLTV ratio may not exceed 75%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. 6.240% APR requires low DTI and CLTV; a maximum loan amount of up to $150,000; 10-year term; FICO 780+; and automatic payment enrollment. Contact Achieve Loans for further details. Equal Housing Opportunity.
- Competitive rates, Pre-qualify in minutes
- Mortgage Advisors standing by to help find the best solution
- Flexible terms with fast funding
- Minimum credit score: 600
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