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At SkyPoint Federal Credit Union, we think the mortgage process should be as easy as decorating the home you’ve picked out.
*APR = Annual Percentage Rate. Actual rate based on individual qualifications and loan-to-value and is subject to change. Loan-to-values up to 100% of the appraised value minus the first mortgage. Some restrictions apply for loan-to-values over 90%. Not all members or properties will qualify. 2.99% APR intro rate applies to Loan-to-values up to 90%. Loan-to-values higher than 90% will receive a 3.49% APR intro rate. Intro rates valid for first 12 months. Current rates will apply after intro period ends and are variable calculated using the Index (Wall Street Journal Prime Rate) plus a margin specific to your loan and are subject to change at the beginning of each month based on market changes in the Index. SkyPoint pays all closing costs with the exception of taxes, in exchange for a $10,000 initial draw and a three-year minimum period that the loan is open. Member is responsible for repayment of closing costs paid by credit union if the loan is closed within three years. Total closing costs generally range from $250 to $1,500. Payment example: Line of credit amount of $25,00 at 5.50% with a payment of $172.11. Homeowner's insurance required. Current MC EFCU loans are not eligible for this promotion. Credit may not be extended if, after you respond, we find that you do not meet the following criteria, including but not limited to, credit qualifications, debt status, ability to pay, collateral value is insufficient. Contact credit union for full details.