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.  Principal and interest payment amounts can be calculated using our calculator http://ithinkfi.vlending.com/loancenter-calculators-monpmt.aspx payments do not include taxes and insurance which is additional if included in your mortgage payment.

 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.  Principal and interest payment amounts can be calculated using our calculator http://ithinkfi.vlending.com/loancenter-calculators-monpmt.aspx payments do not include taxes and insurance which is additional if included in your mortgage payment.

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. Principal and interest payment amounts can be calculated using our calculator http://ithinkfi.vlending.com/loancenter-calculators-monpmt.aspx payments do not include taxes and insurance which is additional if included in your mortgage payment.

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. Principal and interest payment amounts can be calculated using our calculator http://ithinkfi.vlending.com/loancenter-calculators-monpmt.aspx payments do not include taxes and insurance which is additional if included in your mortgage payment.

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. Non-conforming loans will have a margin of 3.0%. Principal and interest payment amounts can be calculated using our calculator http://ithink.vlending.com/loancenter-calculators-monpmt.aspx payments do not include taxes and insurance which is additional if included in your mortgage payment.

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.

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.  Non-conforming loans will have a margin of 3%. Principal and interest payment amounts can be calculated using our calculator http://ithinkfi.vlending.com/loancenter-calculators-monpmt.aspx payments do not include taxes and insurance which is additional if included in your mortgage payment.

Principal and Interest Payment is fixed for 84 months.  On payment 85 the rate used to calculate the next 12 payments is based on the 1 Year CMT Index Rate plus 2.75% margin (3% 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 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. Principal and interest payment amounts can be calculated using our calculator http://ithinkfi.vlending.com/loancenter-calculators-monpmt.aspx payments do not include taxes and insurance which is additional if included in your mortgage payment.

The 5 / 5 ARM adjusts at 5 year increments.  This loan is different from other ARMs in that after the first adjustment, the next adjustment will not occur for 5 years.  5 year adjustments capped at 2% and lifetime cap of 6% above start rate.  Standard ARMs adjusts every 12 months after the first adjustment. Index is the Monthly Prime Rate published in Wall Street Journal.  The margin is based on credit score.

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%. Principal and interest payment amounts can be calculated using our calculator http://ithinkfi.vlending.com/loancenter-calculators-monpmt.aspx payments do not include taxes and insurance which is additional if included in your mortgage payment.

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.  Principal and interest payment amounts can be calculated using our calculator http://ithinkfi.vlending.com/loancenter-calculators-monpmt.aspx payments do not include taxes and insurance which is additional if included in your mortgage payment.

Maximum rate is 18%.  Floor Rate is 4%. Rate can adjust monthly as the Prime Rate published in the Wall Street Journal changes each month.  Minimum credit score to qualify is 580.  Credit Score of 730 or higher qualifies for our best published rate of Prime + .25.  Lower credit scores have higher margins (up to 5.0%) added to the index to calculate the APR. 

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.

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. Principal and interest payment amounts can be calculated using our calculator http://ithinkfi.vlending.com/loancenter-calculators-monpmt.aspx payments do not include taxes and insurance which is additional if included in your mortgage payment.

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.

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. Principal and interest payment amounts can be calculated using our calculator http://ithinkfi.vlending.com/loancenter-calculators-monpmt.aspx payments do not include taxes and insurance which is additional if included in your mortgage payment.

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.

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. Principal and interest payment amounts can be calculated using our calculator http://ithinkfi.vlending.com/loancenter-calculators-monpmt.aspx payments do not include taxes and insurance which is additional if included in your mortgage payment.

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.

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. Principal and interest payment amounts can be calculated using our calculator http://ithinkfi.vlending.com/loancenter-calculators-monpmt.aspx payments do not include taxes and insurance which is additional if included in your mortgage payment.

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.