Home Loan Rates

Rates may increase or decrease during the life of the loan, and are indexed to the 30-day Average Secured Overnight Financing Rate (SOFR), with a margin of 2.750%, as published in the Federal Reserve Bank of New York. The initial interest rate will not change during the first 60 months, and will adjust every six months after the 60 month period ends. At a 5.750% initial interest rate, the APR for this loan type is 6.504%, and is subject to increase after consummation. 

Based on current market conditions, the payment schedule would be:

• 60 payments of $1750.72 at an interest rate of 5.750%
• 299 payments of $1966.87 at an interest rate of 7.000%
• 1 payments of $1955.46 at an interest rate of 7.000%

Payments shown include principal and interest and do not include amounts for taxes and insurance, which will result in higher monthly payments.

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $300,000 and an estimated property value of $400,000. The property is located in Sacramento, CA and is within Sacramento County. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 740.

Rates may increase or decrease during the life of the loan, and are indexed to the 30-day Average Secured Overnight Financing Rate (SOFR), with a margin of 2.750%, as published in the Federal Reserve Bank of New York. The initial interest rate will not change during the first 84 months, and will adjust every six months after the 84 month period ends. At a 5.875% initial interest rate, the APR for this loan type is 6.421%, and is subject to increase after consummation. 

Based on current market conditions, the payment schedule would be:

• 84 payments of $1774.61 at an interest rate of 5.875%
• 275 payments of $1958.47 at an interest rate of 7.000%
• 1 payments of $1947.12 at an interest rate of 7.000%

Payments shown include principal and interest and do not include amounts for taxes and insurance, which will result in higher monthly payments.

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $300,000 and an estimated property value of $400,000. The property is located in Sacramento, CA and is within Sacramento County. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 740.

Rates may increase or decrease during the life of the loan, and are indexed to the 30-day Average Secured Overnight Financing Rate (SOFR), with a margin of 2.750%, as published in the Federal Reserve Bank of New York. The initial interest rate will not change during the first 120 months, and will adjust every six months after the 120 month period ends. At a 6.000% initial interest rate, the APR for this loan type is 6.341%, and is subject to increase after consummation. 

Based on current market conditions, the payment schedule would be:

• 120 payments of $1798.65 at an interest rate of 6.000%
• 239 payments of $1946.44 at an interest rate of 7.000%
• 1 payments of $1935.16 at an interest rate of 7.000%

Payments shown include principal and interest and do not include amounts for taxes and insurance, which will result in higher monthly payments.

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $300,000 and an estimated property value of $400,000. The property is located in Sacramento, CA and is within Sacramento County. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 740.

At a 5.500% interest rate, the APR for this loan type is 5.500%. The payment schedule would be:

• 179 payments of $2451.25 at an interest rate of 5.500%
• 1 payments of $2440.07 at an interest rate of 5.500%

Payments shown include principal and interest and do not include amounts for taxes and insurance, which will result in higher monthly payments.

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $300,000 and an estimated property value of $400,000. The property is located in Sacramento, CA and is within Sacramento county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 740.

At a 6.125% interest rate, the APR for this loan type is 6.125%. The payment schedule would be:

• 359 payments of $1822.83 at an interest rate of 6.125%
• 1 payments of $1813.57 at an interest rate of 6.125%

Payments shown include principal and interest and do not include amounts for taxes and insurance, which will result in higher monthly payments.

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $300,000 and an estimated property value of $400,000. The property is located in Sacramento, CA and is within Sacramento County. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 740.

At a 5.625% interest rate, the APR for this loan type is 6.332%. The payment schedule would be:

• 12 payments of $1871.59 at an interest rate of 5.625%
• 12 payments of $1868.89 at an interest rate of 5.625%
• 12 payments of $1866.03 at an interest rate of 5.625%
• 12 payments of $1863.01 at an interest rate of 5.625%
• 12 payments of $1859.82 at an interest rate of 5.625%
• 12 payments of $1856.44 at an interest rate of 5.625%
• 12 payments of $1852.86 at an interest rate of 5.625%
• 12 payments of $1849.08 at an interest rate of 5.625%
• 12 payments of $1845.09 at an interest rate of 5.625%
• 12 payments of $1840.86 at an interest rate of 5.625%
• 12 payments of $1836.38 at an interest rate of 5.625%
• 12 payments of $1831.65 at an interest rate of 5.625%
• 12 payments of $1826.65 at an interest rate of 5.625%
• 12 payments of $1821.35 at an interest rate of 5.625%
• 12 payments of $1815.75 at an interest rate of 5.625%
• 12 payments of $1809.83 at an interest rate of 5.625%
• 12 payments of $1803.57 at an interest rate of 5.625%
• 12 payments of $1796.94 at an interest rate of 5.625%
• 12 payments of $1789.93 at an interest rate of 5.625%
• 12 payments of $1782.52 at an interest rate of 5.625%
• 12 payments of $1774.68 at an interest rate of 5.625%
• 12 payments of $1766.38 at an interest rate of 5.625%
• 12 payments of $1757.61 at an interest rate of 5.625%
• 12 payments of $1748.33 at an interest rate of 5.625%
• 12 payments of $1738.52 at an interest rate of 5.625%
• 12 payments of $1728.14 at an interest rate of 5.625%
• 12 payments of $1717.16 at an interest rate of 5.625%
• 12 payments of $1705.55 at an interest rate of 5.625%
• 12 payments of $1693.26 at an interest rate of 5.625%
• 11 payments of $1680.27 at an interest rate of 5.625%
• 1 payments of $1658.75 at an interest rate of 5.625%

The monthly payment amounts quoted include the mortgage insurance premium.

Mortgage insurance is required for most FHA loans. The monthly mortgage insurance premium is calculated based on the average annual outstanding balance, so it will vary from year to year.

Payment $1666.53 

Mortgage Insurance Premium $205.06 

Total $1871.59 

The actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $289,500 and an estimated property value of $300,000. The property is located in Sacramento, CA and is within Sacramento County. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 740.

Rates may increase or decrease during the life of the loan, and are indexed to the 30-day Average Secured Overnight Financing Rate (SOFR), with a margin of 2.750%, as published in the Federal Reserve Bank of New York. The initial interest rate will not change during the first 60 months, and will adjust every six months after the 60 month period ends. At a 5.875% initial interest rate, the APR for this loan type is 6.564%, and is subject to increase after consummation. 

Based on current market conditions, the payment schedule would be:

• 60 payments of $1774.61 at an interest rate of 5.875%
• 299 payments of $1969.99 at an interest rate of 7.000%
• 1 payments of $1958.57 at an interest rate of 7.000%

Payments shown include principal and interest and do not include amounts for taxes and insurance, which will result in higher monthly payments.

The information provided assumes the purpose of the loan is to refinance a property, with a loan amount of $300,000 and an estimated property value of $400,000. The property is located in Sacramento, CA and is within Sacramento County. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 45 days and the assumed credit score is 740.

Rates may increase or decrease during the life of the loan, and are indexed to the 30-day Average Secured Overnight Financing Rate (SOFR), with a margin of 2.750%, as published in the Federal Reserve Bank of New York. The initial interest rate will not change during the first 84 months, and will adjust every six months after the 84 month period ends. At a 6.000% initial interest rate, the APR for this loan type is 6.496%, and is subject to increase after consummation. 

Based on current market conditions, the payment schedule would be:

• 84 payments of $1798.65 at an interest rate of 6.000%
• 275 payments of $1962.89 at an interest rate of 7.000%
• 1 payments of $1951.50 at an interest rate of 7.000%

Payments shown include principal and interest and do not include amounts for taxes and insurance, which will result in higher monthly payments.

The information provided assumes the purpose of the loan is to refinance a property, with a loan amount of $300,000 and an estimated property value of $400,000. The property is located in Sacramento, CA and is within Sacramento county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 45 days and the assumed credit score is 740.

Rates may increase or decrease during the life of the loan, and are indexed to the 30-day Average Secured Overnight Financing Rate (SOFR), with a margin of 2.750%, as published in the Federal Reserve Bank of New York. The initial interest rate will not change during the first 120 months, and will adjust every six months after the 120 month period ends. At a 6.125% initial interest rate, the APR for this loan type is 6.434%, and is subject to increase after consummation. 

Based on current market conditions, the payment schedule would be:

• 120 payments of $1822.83 at an interest rate of 6.125%
• 239 payments of $1952.90 at an interest rate of 7.000%
• 1 payments of $1941.58 at an interest rate of 7.000%

Payments shown include principal and interest and do not include amounts for taxes and insurance, which will result in higher monthly payments.

The information provided assumes the purpose of the loan is to refinance a property, with a loan amount of $300,000 and an estimated property value of $400,000. The property is located in Sacramento, CA and is within Sacramento county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 45 days and the assumed credit score is 740.

At a 6.375% interest rate, the APR for this loan type is 6.375%. The payment schedule would be:

• 359 payments of $1871.61 at an interest rate of 6.375%
• 1 payments of $1861.72 at an interest rate of 6.375%

Payments shown include principal and interest and do not include amounts for taxes and insurance, which will result in higher monthly payments.

The information provided assumes the purpose of the loan is to refinance a property, with a loan amount of $300,000 and an estimated property value of $400,000. The property is located in Sacramento, CA and is within Sacramento County. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 45 days and the assumed credit score is 740.

The information provided assumes a 780 credit score and that the subject property will be used as a primary residence with a 10-year draw period and 20-year repayment period. At a 30-year term, the minimum loan amount is $25,000 and maximum loan amount is $700,000. All loans are subject to approval. Rate, terms, and conditions are subject to change and may vary based on creditworthiness, qualification, and collateral conditions.

The Golden 1 Home Equity Line of Credit (HELOC) is limited to one- to four-family owner-occupied units, vacation properties, and investment properties located in the state of California. Excludes mobile homes. Before your HELOC is funded, all loans secured by your home other than your first mortgage must be paid off. Contact the credit union for terms and conditions for refinancing an existing Golden 1 equity loan or line of credit. Other programs are available.

Your HELOC application is subject to property valuation. Your maximum loan amount will be calculated using the combined loan-to-value (CLTV) of your existing first mortgage principal balance and new second mortgage according to current guidelines. All programs and maximum CLTVs are subject to change or termination without notice.

This is a variable-rate line of credit. The monthly periodic rate and APR (Annual Percentage Rate) may vary. Changes in the APR will be based upon changes in the Prime Rate and may be adjusted monthly. The maximum APR that can apply is 18% and the minimum is 4%.

There is currently no annual fee for your participation in the credit plan under the HELOC Agreement. There are no other fees to open, use, or maintain this account except third party fees, such as property insurance, as required in the HELOC Agreement. Property insurance is required. Flood insurance may be required.

An Early Termination Fee will be assessed if the line of credit is paid in full and closed within three (3) years from the date of opening, in the amount of $500.

The information provided assumes a 780 credit score and that the subject property will be used as a primary residence. All loans are subject to approval. Rate, terms, and conditions are subject to change and may vary based on creditworthiness, qualification, and collateral conditions.

Fixed-rate loan conversions can only be requested during the Draw Period. A minimum of $5,000 can be converted each time. If you choose to convert any portion of your balance to a fixed rate using the fixed-rate loan conversion option, your fixed rate APR will be effective the next business day following the processing of this request. Exercise of the fixed-rate loan conversion option may increase or decrease your rate. Ask for our current interest rates before exercising the fixed-rate loan conversion option. You may choose to unfix the rate, term, and payment on a fixed-rate loan conversion, and convert the remaining balance back to a variable interest rate as originally set in your loan agreement.

The information provided assumes a 780 credit score and that the subject property will be used as a primary residence. All loans are subject to approval. Rate, terms, and conditions are subject to change and may vary based on creditworthiness, qualification, and collateral conditions.

Fixed-rate loan conversions can only be requested during the Draw Period. A minimum of $5,000 can be converted each time. If you choose to convert any portion of your balance to a fixed rate using the fixed-rate loan conversion option, your fixed rate APR will be effective the next business day following the processing of this request. Exercise of the fixed-rate loan conversion option may increase or decrease your rate. Ask for our current interest rates before exercising the fixed-rate loan conversion option. You may choose to unfix the rate, term, and payment on a fixed-rate loan conversion, and convert the remaining balance back to a variable interest rate as originally set in your loan agreement.

The information provided assumes a 780 credit score and that the subject property will be used as a primary residence. All loans are subject to approval. Rate, terms, and conditions are subject to change and may vary based on creditworthiness, qualification, and collateral conditions.

Fixed-rate loan conversions can only be requested during the Draw Period. A minimum of $5,000 can be converted each time. If you choose to convert any portion of your balance to a fixed rate using the fixed-rate loan conversion option, your fixed rate APR will be effective the next business day following the processing of this request. Exercise of the fixed-rate loan conversion option may increase or decrease your rate. Ask for our current interest rates before exercising the fixed-rate loan conversion option. You may choose to unfix the rate, term, and payment on a fixed-rate loan conversion, and convert the remaining balance back to a variable interest rate as originally set in your loan agreement.

The information provided assumes a 780 credit score and that the subject property will be used as a primary residence. All loans are subject to approval. Rate, terms, and conditions are subject to change and may vary based on creditworthiness, qualification, and collateral conditions.

Fixed-rate loan conversions can only be requested during the Draw Period. A minimum of $5,000 can be converted each time. If you choose to convert any portion of your balance to a fixed rate using the fixed-rate loan conversion option, your fixed rate APR will be effective the next business day following the processing of this request. Exercise of the fixed-rate loan conversion option may increase or decrease your rate. Ask for our current interest rates before exercising the fixed-rate loan conversion option. You may choose to unfix the rate, term, and payment on a fixed-rate loan conversion, and convert the remaining balance back to a variable interest rate as originally set in your loan agreement.

The information provided assumes a 780 credit score and that the subject property will be used as a primary residence. All loans are subject to approval. Rate, terms, and conditions are subject to change and may vary based on creditworthiness, qualification, and collateral conditions.

Fixed-rate loan conversions can only be requested during the Draw Period. A minimum of $5,000 can be converted each time. If you choose to convert any portion of your balance to a fixed rate using the fixed-rate loan conversion option, your fixed rate APR will be effective the next business day following the processing of this request. Exercise of the fixed-rate loan conversion option may increase or decrease your rate. Ask for our current interest rates before exercising the fixed-rate loan conversion option. You may choose to unfix the rate, term, and payment on a fixed-rate loan conversion, and convert the remaining balance back to a variable interest rate as originally set in your loan agreement.