Home Loan Rates

Mortgage Rates



Mortgage rates change daily – click link for info. Fast Track Rates Effective: 07/13/2012

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Per the Secure and Fair Enforcement (SAFE) Act, Nationwide Mortgage Licensing System (NMLS) registration information is available by request.

*Annual Percentage Rate. Rates and terms subject to change without notice. Loan approval, term, and rate received are based on the applicant’s credit qualifications. Payment Example: Loan amount of $225,000 at 4.000% for 30 year term has an estimated Principal & Interest payment of $1,074.18. Mortgage loan insurance may be required and may increase the payment.

**Approved rate and term are based on applicant’s credit history and Qualstar’s lending guidelines. Loan amounts up to $225,000; maximum 70% LTV. A full appraisal may be required; in such cases the appraisal fee is charged and collected up-front from the member. No escrow account required. Limited to owner-occupied properties in Washington, Oregon and Alaska. No set-up fees are charged to the member at funding. Set-up costs paid by the Credit Union range from $200-$500, depending on the transaction, will be reimbursed by the member if the loan is paid off and closed within 3 years of opening. Please refer to the Fees page for more information about fees associated with this product. Flood/hazard certificate and property insurance required. Consult your tax advisor regarding the tax deductibility of interest. Payment Example: Loan amount $75,000 at 3.875% for 120 month (10-year) term has an estimated Principal & Interest payment of $754.38.

Type Rates From* Rates Up To* Terms/Other Info.
First Mortgage (purchase or refinance) Click
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Rates
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Terms vary; available in Washington (existing and new members), Oregon and Alaska (existing Qualstar members only) state
Fast Track Home Loan (to 70% LTV)** 3.375% 5.125% Fixed rates; terms up to 15 years (180 months.) A full appraisal is required for loan amount >$150,000; if required, the appraisal fee is charged and collected up-front. Limited to WA and OR owner-occupied properties. Loan amounts up to $225,000

Home Equity Rates



Rates Effective: 01/19/2017

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*Annual Percentage Rate. Rates and terms subject to change without notice. Loan approval, term, and rate received are based on the applicant’s credit qualifications. Payment Example: Advantage Equity Loan of $50,000 at 6.74% for 180 month term has an estimated Principal & Interest payment of $441.69.

**No set-up fees are charged to the member at funding. Set-up costs paid by the Credit Union range from $200-$500, depending on the transaction, and will be reimbursed by the member if the loan is paid off and closed within 3 years of opening. Please refer to the Fees page for more information about fees associated with this product. Flood/hazard certificate and property insurance required. Consult your tax advisor regarding the tax deductibility of interest.

Type Rates From* Rates Up To* Terms/Other Info.
Option Equity
(to 70% LTV)**
3.99% 5.75% Interest-only line of credit. Variable rates, Prime +0% to +3.00%, adjusted quarterly; max. rate 18.00% APR; min. payment is interest due. A full appraisal is required for loan amount >$100,000; if required, the appraisal fee is charged and collected up-front. Loan amounts-min. $5000, max. $250,000
Option Equity
(to 80% LTV)**
4.25% 6.75% Interest-only line of credit. Variable rates, Prime +0% to +3.00%, adjusted quarterly; max. rate 18.00% APR; min. payment is interest due. A full appraisal is required for loan amount >$100,000; if required, the appraisal fee is charged and collected up-front. Loan amounts-min. $5000, max. $250,000
Option Equity
(to 90% LTV)**
5.75% 6.75% Interest-only line of credit. Variable rates, Prime +0% to +3.00%, adjusted quarterly; max. rate 18.00% APR; min. payment is interest due. A full appraisal is required for loan amount >$100,000; if required, the appraisal fee is charged and collected up-front. Loan amounts-min. $5000, max. $250,000
Non-Owner-Occupied Option Equity
(up to 70% LTV)**
4.49% 6.25% Interest-only line of credit. Variable rates, Prime +.50% to +2.50%, adjusted quarterly; max. rate 18.00% APR; min. payment is interest due. If a full appraisal is required, the fee is charged and collected up-front. Loan amounts-min. $5000, max. $49,999.99
Advantage Equity
(to 70% LTV)**
3.49% 6.74% Fixed rates; terms up to 20 years. A full appraisal may be required; if required, the appraisal fee is charged and collected up-front. Loan amounts-min. $10,000, max. $250,000
Advantage Equity
(to 80% LTV)**
3.99% 7.99% Fixed rates; terms up to 20 years. A full appraisal may be required; if required, the appraisal fee is charged and collected up-front. Loan amounts-min. $10,000, max. $250,000
Advantage Equity
(to 90% LTV)**
5.99% 8.24% Fixed rates; terms up to 15 years. A full appraisal may be required; if required, the appraisal fee is charged and collected up-front. Loan amounts-min. $10,000, max. $250,000
Non-Owner-Occupied Advantage Equity
(to 70% LTV)**
3.99% 7.24% Fixed rates; terms up to 15 years. If a full appraisal is required, the fee is charged and collected up-front. Loan amounts-min. $10,000, max. $49,999.99