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Mortgages

Low rates and expert guidance.
Couple on a front yard

Your future home awaits.

With low rates, expert guidance and reduced stress, the path to your future home and financial success has never been clearer. An advocate will guide you through the entire process.

Speak with a Mortgage Expert:

Mary Lewis
Tel: 201 452 4415
Email: mlewis@profcu.org
NMLS# 1203822

 

Download a free copy of our 1st Mortgage Blueprint

Learn all about the home buying process from our 1st Mortgage Blueprint. In it you’ll read about pre-approvals, pricing, down payments, the closing process and all the benefits that a Proponent Mortgage can offer you.

First Mortgage Blueprint

Purchase

Realize that dream.

Blue house

Whether it’s your first, a relocation or just plain right-sizing, we’re here. Your situation isn’t cookie cutter and neither are our mortgage options.

  • No cost pre-approval
  • Financing available with as little as 3% down-payment.
  • Low closing costs
  • Rate lock with float down**
  • Rate buy downs
  • Quick processing

Refinance

Put the terms in your favor.

Refinance

Refinancing could save you valuable time and money – something we all need more of in life. A lower rate and competitive term can make that a reality.

  • Lower interest rate
  • Rate lock with float down**
  • Competitive term
  • Low closing costs
  • Up to 95% LTV cash-out available.

In order to be approved for a mortgage, you must be a Proponent member.
Speak to an Advocate in Member Support by calling 800.457.8058 for membership eligibility criteria.

Gain a Home-Buying Edge

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Watch Rates

See where rates are so you can strike when the time is right.

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Calculate Savings

You may be surprised at what you’ll keep in your pocket.

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Personalize a Quote

Zero in on what you can expect before you pull the trigger.

Discover Your Options

30

30-year fixed

Fixed payments that won’t change over time.

Apply today, and if you’re purchasing a home you’ll get an additional .25% discount off of the rate below.

  • As low as 3% down
Rate*
3.375%
APR*
3.414%
30-year term
15

15-year fixed

Pay off your loan faster and maintain a constant rate payment.

  • As low as 3% down
Rate*
2.875%
APR*
2.944%
15-year term
7/1

7/1 ARM

Fixed rate for 7 years and then adjusts yearly.

  • As low as 3% down
Rate*
2.625%
APR*
2.662%
30-year term
5/1

5/1 ARM

Fixed rate for 5 years and then adjusts yearly.

  • As low as 3% down
Rate*
2.500%
APR*
2.619%
30-year term

*Terms and conditions apply. Rates shown are based on 80% loan-to-value (LTV). APR calculations may exclude third-party fees and per diem interest. Interest rates shown are based on 80% loan-to-value (LTV) loan amounts on the sales price of $300k and a loan amount of $240k for purchase of an owner occupied single family residence. Financing options are available for up to 97% loan-to-value (LTV) loan amounts for owner-occupied single family residences. Rates and APRs are subject to change and may not be available at the time of lock or loan commitment. APR for adjustable rate mortgages are subject to increase after fixed rate period and does not include 3rd party costs or prepaid interest. APR calculations may exclude third-party fees and per diem interest. Proponent reserves the right to modify or discontinue products and benefits at any time without notice. If approved, your rate will depend on term of loan, financial history, income and other factors. Rates and Terms are subject to change at any time without notice.

**Rate lock period is for members who have been preliminarily approved and are in contract to purchase or refinance a property with a closing date within 60 days. The benefit allows for one float down for applicants to re-lock their interest rate should rates decrease during the lock period of 60 days from contract receipt. Members will not incur any additional costs to utilize the benefit. Proponent reserves the right to modify or discontinue products and benefits at any time without notice.