Real Estate Loan Rates

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 5.000% for 30 year term has an estimated Principal & Interest payment of $1,207.85. 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. 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. Applies to both owner occupied *and non-owner occupied properties in Washington, Oregon, Idaho and Alaska. Applicants who are not already a Qualstar member must qualify for membership. 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 4.375% for 120 month (10-year) term has an estimated Principal & Interest payment of $772.95.

*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. A loan origination fee of 1% of the loan amount (or credit limit if a HELOC) will also be charged in addition to the closing costs ($150 – $500) if the loan is paid off and closed within the first 12 months. 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.

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, LTV max. and rate received are based on the applicant’s credit qualifications.