Fixed or adjustable?
Fixed mortgages maintain the same rate and monthly payment over the life of the loan for those who desire predictability and payment stability. Visit our rates page for all available rates and terms.
Select a term of 10, 15, 20 or 30 years
No NIHFCU lender fees
Loan amounts up to $679,650 (higher amounts available on ARM products)
Adjustable mortgages (or ARMs) start with a lower rate and then adjust periodically over the life of the loan for those who prefer lower initial payments or plan to sell in a finite period of time
Select a 3, 5, 7 or 15-year initial fixed-rate period
Available on loans up to $1,500,000
Lock in your rate for up to 90-days4
5/5 ARM – Low initial rate that adjusts no more than 2% every 5 years. Total increase over life of the loan is capped at 5% above your initial rate.
15/15 ARM – The security of a 30-year fixed-rate mortgage with a lower initial rate that adjusts only once after 15 years.
All NIHFCU mortgages feature great rates and low fees, and are available with as little as 5% down for qualified borrowers!
Need some great advice? Speak to an expert or get pre-qualified with no obligation!