Rates are current as of September 29, 2026, and subject to change without notice.
MORTGAGE LOANS
Let us help you make the home of your dreams a reality. Whether you are buying a new home or refinancing your current residence, we have a mortgage plan to meet your needs.
| Fixed Rate Mortgage | Rate | APR* | Points | Monthly Payment per $1000 |
|---|---|---|---|---|
| 10 Year | 5.750% | 5.980% | 0 | $10.98 |
| 15 Year | 6.000% | 6.165% | 0 | $8.44 |
| 20 Year | 6.125% | 6.257% | 0 | $7.24 |
| 30 Year | 6.200% | 6.300% | 0 | $6.13 |
| Construction Mortgage | Rate | APR* | Points | Monthly Payment per $1000 |
|---|---|---|---|---|
| 30 Year | 7.000% | 7.419% | 0 | $6.64 |
| Adjustable Rate Mortgage (ARM)1 | Rate | APR* | Points | Monthly Payment per $1000 | Fully Indexed Monthly Payment per $1000 |
|---|---|---|---|---|---|
| 5/1 ARM | 5.750% | 6.823% | 0 | $5.84 | $9.51 |
| 7/1 ARM | 5.875% | 6.697% | 0 | $5.90 | $9.36 |
*Estimated APR (Annual Percentage Rate) based on a $300,000.00 loan amount and includes finance charges. Payment amounts do not include taxes and insurance. Rates are subject to change without notice. Rate is determined by individual credit worthiness and subject to credit approval. Rates quoted above are for members with best credit score. Rates quoted are for single family detached owner-occupied (conforming) property. Other conditions may apply. Other rates and terms may be available based on property type.
1 Per run cap of 2%. Life of loan cap of 6%.
Investment Mortgages and Land Loans
If you are looking to improve, refinance or purchase a multifamily property, we offer a variety of competitively priced Member Business Loan Products on non-owner occupied 1-4 unit residential properties. FRMCU also offers financing for land purchases.
Contact our mortgage team or visit any of our conveniently located branch offices for more details.
Mortgage Team
Jodie Oliveira NMLS# 556250 Email: joliveira@frmcu.com
Tania Couturier NMLS# 1107332 Email: tcouturier@frmcu.com
Sandra Pavao NMLS# 1256336 Email: spavao@frmcu.com
Please call for an appointment that is convenient for you or apply online.
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