A Mortgage Program for our Community Heroes!
Police Officers | Firefighters | Teachers | Nurses | EMS
About the Program
- 100% Financing of Purchase Price
- Up to 3% Seller Contributions Allowed
- Choice of Fixed or Adjustable Rates
Meet the Team
Insurance
Beginnings Credit Union Insurance Services Customers Save An Average Of $631!*
When you're busy maintaining a home as unique as you are, the last thing you want to worry about is whether or not you have the right insurance at the best rate. Get multiple quotes from the nation's leading insurance carriers so you can pick the right one for you.
Call 844-835-7646 or Visit Beginnings Credit Union's Insurance Services
*Average Savings figure is a national average savings number from August 2019 to July 2020 of auto, homeowner, and packaged policyholders’ savings per customer when compared to the policyholders’ former premiums. Individual premiums and savings will vary. Insurance products are not insured by NCUA or any Federal Government Agency; are not a deposit of, or guaranteed by Beginnings Credit Union or any affiliated entity; and may lose value. Any insurance required as a condition of the extension of credit by Beginnings Credit Union need not be purchased from our Agency but may, without affecting the approval of the application for an extension of credit, be purchased from an agent or insurance company of the member’s choice.
Rates
Residential Mortgage
| Term | Interest Rate* | APR as low as* | Monthly P&I per $1,000 |
|---|---|---|---|
| 30 Year Fixed | 7.125% | 7.146% | $6.74 |
| 15 Year Fixed | 6.50% | 6.513% | $8.71 |
| 7/1 ARM | 5.875% | 6.965% | $5.92 |
APR based on $100,000 loan amount at 80% loan to value. Disclaimer: Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan. The eligible products are based on the information you have provided. Rates, products, and points vary by county, final loan amount, loan origination, and other factors.
Rate, Payments, and APR may be adjusted based on several factors including, but not limited to, state of property location, loan amount, documentation type, loan type, occupancy type, property type, loan to value, and your credit score. Your final rate and payments may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply.
The annual percentage rate (APR), is the cost of credit over the term of the loan expressed as an annual rate. The APR shown here is based on interest rates and points only and does not take into account other loan-specific finance charges you may be required to pay.
Payments shown may not include amounts for taxes and insurance; the actual payment obligation will be greater.
ARM (Adjustable Rate Mortgage) is an adjustable rate based on the terms of the loan.