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Mortgage Rates

Buying? Refinancing? Deer Valley Credit Union can help.
Come home to better mortgage rates.
DVCU's mortgage rates are structured to fit your budget and lifestyle, whether you're buying a home in Arizona, looking to refinance your current mortgage or wanting to tap into your home's equity.

First Mortgage

To learn more, call 602.375.7300 to speak to a mortgage loan specialist.

  • Fixed and Variable rate programs
  • 15 and 30 year terms available
  • Amount financed varies by program

Rates are current as of June 21, 2018 - Rates as low as:

Mortgage Product Annual Percentage Rate Points
30-Year Fixed Rate 4.38% No Points
15-Year Fixed Rate 3.98% No Points
5/1 ARM 4.21% No Points
Maximum Amount Varies based on program

Home Equity Lines of Credit

To learn more, call 602.375.7300 to speak to a mortgage loan specialist.

  • Payment amount 1.5% of balance outstanding
  • Ten year draw period and ten year repayment period
  • Up to 80% of appraised value available
  • Variable Rate Loan Product
  • Apply Now

Rates are current as of April 24, 2018 - Rates as low as:

FICO Scores To 80% Loan to Value Annual Percentage Rate
720+ Prime + 1.50% 6.25%
680-719 Prime + 2.00% 6.75%
640-679 Prime + 3.50% 8.25%
600-639 Prime + 5.50% 10.25%

Maximum amount: $350,000
Annual Percentage Rate: Minimum is 4.00% and Maximum is 18.00%
Draw period: Ten year draw period with a ten year repayment

  • Rates above reflect the Annual Percentage Rate (APR)
  • The index will be adjusted monthly as of the first day of each billing cycle following an index change
  • Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral condition. All loans subject to approval.
  • Closing costs can range from $200 to $800
  • No prepayment penalty

Second Mortgage Loans

Rates are current as of July 1, 2017 - Rates as low as:

FICO Scores To 80% Loan to Value
720+ 5.75%
680-719 6.25%
640-679 7.25%
600-639 8.25%

Maximum amount: $350,000
Annual Percentage Rate: Minimum is 4.00% and Maximum is 18.00%

  • Rates above reflect the Annual Percentage Rate (APR)
  • Less than $5,000 - Up to 60 months
  • $5,000 - $14,999 - Up to 120 months
  • Greater than $14,999 - Up to 180 months
  • Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral condition. All loans subject to approval.
  • Closing costs can range from $200 to $800
  • No prepayment penalty
Disclosure

APR=Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on credit worthiness, qualifications and collateral conditions. All loans are subject to approval. For a $200,000 loan with a 20% down payment at 4.38% APR for a 30 year term, the monthly payment would be $799 (excluding property tax and insurance); for a $200,000 loan with a 20% down payment at 3.98% APR for a 15 year term, the monthly payment would be $1,182 (excluding property tax and insurance). 1% Origination Fee may apply. Membership is required.