We are a leading lender in the conforming market. We offer loan products up to 100% of the house value. No cash-out refinance loans are available up to 95% of the house value. Cash-out refinance loans are available for up to 80% of the home's value. For conforming and non-conforming loans, rate pricing adjustments may be applied based on credit history, property type, occupancy, loan to value, subordinate financing, number of properties owned, and subordinate financing. We also offer Jumbo loans over $726,200. Contact a loan officer for a rate quote.
Home Equity Lines of Credit and Fixed Rate Equity Loans are considered to refinance mortgages.
30 Year Fixed
30 Year Fixed Rate mortgage - 360 monthly payments. Rates published are based on a $200,000 loan amount with maximum loan to value of 75% for a purchase or 70% loan to value no cash out refinance of a single family primary residences with a credit score of 740 or higher. Greater loan amounts may have a rate adjustment. Other properties types such as Condominiums, Townhouses, and investment properties are subject to other rate adjustments.
| Rates | APR | Points |
| 6.75% | 7.05% | 1% |
| 7% | 7.201% | 0% |
20 Year Fixed
20 Year Fixed Rate mortgage - 240 monthly payments. Rates published are based on a $200,000 loan amount with maximum loan to value of 75% for a purchase or 70% loan to value no cash out refinance of a single family primary residences with a credit score of 740 or higher. Greater loan amounts may have a rate adjustment. Other properties types such as Condominiums, Townhouses, and investment properties are subject to other rate adjustments.
| Rates | APR | Points |
| 6.375% | 6.762% | 1% |
| 6.625% | 6.883% | 0% |
15 Year Fixed
15 Year Fixed Rate mortgage - 180 monthly payments. Rates published are based on a $200,000 loan amount with maximum loan to value of 75% for a purchase or 70% loan to value no cash out refinance of a single family primary residences with a credit score of 740 or higher. Greater loan amounts may have a rate adjustment. Other properties types such as Condominiums, Townhouses, and investment properties are subject to other rate adjustments.
| Rates | APR | Points |
| 6.25% | 6.732% | 1% |
| 6.5% | 6.822% | 0% |
10 Year Fixed
10 Year Fixed Rate mortgage - 120 monthly payments. Rates published are based on a $200,000 loan amount with maximum loan to value of 75% for a purchase or 70% loan to value no cash out refinance of a single family primary residences with a credit score of 740 or higher. Greater loan amounts may have a rate adjustment. Other properties types such as Condominiums, Townhouses, and investment properties are subject to other rate adjustments.
| Rates | APR | Points |
| 6.125% | 6.804% | 1% |
| 6.375% | 6.827% | 0% |
10 Year ARM
10 Years Rate is Constant then Adjusts annually based on 1 Year CMT rate plus a margin of 2.75%. Rates published are based on a maximum loan to value of 75% for a purchase or 70% loan to value no cash out refinance of a single family primary residences with a credit score of 740 or higher. Other properties types such as Condominiums, Townhouses, and investment properties are subject to other loan level pricing adjustments.
| Rates | APR | Points |
| 7.5% | 7.801% | 1% |
| 7.75% | 7.87% | 0% |
7 Year ARM
For 7 Years the Rate is Constant then Adjusts annually based on 1 Year CMT rate plus a margin of 2.75%. Rates published are based on a maximum loan to value of 75% for a purchase or 70% loan to value no cash out refinance of a single family primary residences with a credit score of 740 or higher. Other properties types such as Condominiums, Townhouses, and investment properties are subject to other loan level pricing adjustments.
| Rates | APR | Points |
| 7.25% | 7.657% | 1% |
| 7.5% | 7.689% | 0% |
Principal and Interest Payment is fixed for 120 months. On month 121 the rate used to calculate the next 12 payments is based on the 1 Year CMT Index Rate plus 2.75% margin (3.0% for non-conforming loans). The floor (lowest possible rate over the life of the loan) is the Margin, The interest rate will not exceed the Start rate by 5% over the life of the loan.
5 Year ARM
5 Years Rate is Constant then Adjusts annually based on 1 Year CMT rate plus a margin of 2.75%. Rates published are based on a maximum loan to value of 75% for a purchase or 70% loan to value no cash out refinance of a single family primary residences with a credit score of 740 or higher. Other properties types such as Condominiums, Townhouses, and investment properties are subject to other loan level pricing adjustments
| Rates | APR | Points |
| 7% | 7.578% | 1% |
| 7.25% | 7.578% | 0% |
Principal and Interest Payment is fixed for 120 months. On month 121 the rate used to calculate the next 12 payments is based on the 1 Year CMT Index Rate plus 2.75% margin (3.0% for non-conforming loans). The floor (lowest possible rate over the life of the loan) is the Margin, The interest rate will not exceed the Start rate by 5% over the life of the loan.
5 / 5 ARM
5 Year Adjustable Rate Mortgage with low closing costs. Underwriting, Credit Report, Title Search & Exam, and mortgage recording fees are paid by the credit union. Members are responsible for taxes, insurance, escrow accounts, prepaid interest, and realtor fees. If the loan terminates within the first 24 months, the credit union requires reimbursement of closing costs paid by credit union. Reimbursement of fees paid by credit union is capped at the lower of actual fees paid by iTHINK Financial or 2% of the amount borrowed
| Rates | APR | Points |
| 7.625% | 8.015% | 1% |
| 7.875% | 8.015% | 0% |
Principal and Interest Payment is fixed for 120 months. On month 121 the rate used to calculate the next 12 payments is based on the 1 Year CMT Index Rate plus 2.75% margin (3.0% for non-conforming loans). The floor (lowest possible rate over the life of the loan) is the Margin, The interest rate will not exceed the Start rate by 5% over the life of the loan.
3 Year ARM
3 Years Rate is Constant then Adjusts annually based on the 1 Year CMT rate plus a margin of 2.75%. Rates published are based on a maximum loan to value of 75% for a purchase or 75% loan to value no cash out refinance of a single family primary residences with a credit score of 740 or higher. Other properties types such as Condominiums, Townhouses, and investment properties are subject to other loan level pricing adjustments. Non-conforming loans will have a margin of 3%.
| Rates | APR | Points |
| 6.75% | 7.577% | 1% |
| 7% | 7.541% | 0% |
Principal and Interest Payment is fixed for 120 months. On month 121 the rate used to calculate the next 12 payments is based on the 1 Year CMT Index Rate plus 2.75% margin (3.0% for non-conforming loans). The floor (lowest possible rate over the life of the loan) is the Margin, The interest rate will not exceed the Start rate by 5% over the life of the loan.
Home Equity Line of Credit (HELOC)
HELOC term is for 20 years. The first 10 years are known as the draw period when the member can draw on the available balance. The minimum payment amount for the draw period is interest only. The second 10 year period the payment amount is the amount required to have the loan paid down to zero by the end of the loan term. The interest rate is variable based on an index which is Wall Street Journal Prime Rate. The actual rate is the index plus a margin. The margin is determined by the members credit score.
| Rates | APR | Points |
| 8.25% | 8.25% | 0% |
Credit Union covers closing costs for HELOC's up to $100,000. APR displayed is for HELOC up to $100,000. When Credit Union pays closing costs and members close their loan within three years, Credit Union is reimbursed for closing costs up to $1,200.00
Equity 20 Year Fixed
Typically a second lien loan but is available for 1st lien. Published rates are for credit scores of 730 or higher. Maximum loan amount is 80% of property value. See Mortgage Loan Officer for more details
| Rates | APR | Points |
| 8.875% | 8.875% | 0% |
Credit Union covers closing costs for loan amounts up to $100,000. When Credit Union pays closing costs and members close their loan within three years, Credit Union is reimbursed for closing costs up to $1,200.00.
Equity 15 Year Fixed
Typically a second lien loan but is available for 1st lien. Fixed payment for 15 years. Published rates are for credit scores of 730 or higher. Maximum loan amount is 80% of property value. See Mortgage Loan Officer for more details.
| Rates | APR | Points |
| 8.625% | 8.625% | 0% |
Credit Union covers closing costs for loan amounts up to $100,000. When Credit Union pays closing costs and members close their loan within three years, Credit Union is reimbursed for closing costs up to $1,200.00.
Equity 10 Year Fixed
Typically a second lien loan but is available for 1st lien position. Fixed payments for terms from 8 to 10 years. Published rates are for credit scores of 730 or higher. Maximum loan amount is 80% of property value. See Mortgage Loan Officer for more details.
| Rates | APR | Points |
| 8.5% | 8.5% | 0% |
Credit Union covers closing costs for loan amounts up to $100,000. When Credit Union pays closing costs and members close their loan within three years, Credit Union is reimbursed for closing costs up to $1,200.00.
Equity 7 Year Fixed
Typically a second lien loan but is available for 1st lien. Fixed payment for 7 years or fewer. Published rates are for credit scores of 730 or higher. Maximum loan amount is 80% of property value. See Mortgage Loan Officer for more details.
| Rates | APR | Points |
| 8% | 8% | 0% |
Credit Union covers closing costs for loan amounts up to $100,000. When Credit Union pays closing costs and members close their loan within three years, Credit Union is reimbursed for closing costs up to $1,200.00.