ALERT!
Less

Online & Mobile Banking will be unavailable on Thursday, 12/14 from 9:30 pm until about 12:30 am ET for system maintenance. We apologize for the inconvenience.

3.125% Rate 3.333% APR1

Limited-time rate on 7/1 adjustable-rate mortgages (ARM).

Apply Today and Lock in this Special Limited-Time Low Rate

Avoid all kinds of fees:

    • No application fee
    • No lender fee
    • No processing fee
    • No document preparation fee

Apply by December 31, 2017

Get Pre-Qualified or Apply Now

Term Options Available

Options show the initial rate term / the frequency of adjustment / the length of loan in years.

  • 3/1/30
  • 5/1/30
  • 7/1/30
  • 10/1/30

Rate Adjustment Caps

All of Affinity's ARMs come with rate adjustment caps, meaning that your rate is guaranteed not to change more than a pre-determined percentage at each adjustment2. ARMs that adjust less frequently give you interest rates that are stable for longer periods of time.

Watch Out for Mortgage Red Flags

If you’re not trained in the ancient art of Kung Fee, your eyes may deceive you. Banks might offer mortgages with what looks like a great deal.

Learn More

But when you dig a little bit, you’ll end up seeing that it might not be good for you. Make sure that you’re getting the best possible offer. Learn about what to look for when shopping for a mortgage.

1 Annual Percentage Rate (APR) subject to change without notice. Rate is available to qualified loans applied for by 12.31.2017 and closed by 2.28.2018. Stated rate is for the initial fixed period of 7 years.  Subsequent interest rates for each variable period will be based on the LIBOR index, as published in the Wall Street Journal, plus our margin rounded to the nearest one‐eighth of one percent (0.125%), unless calculated interest rate exceeds the set cap for the amount of change in the interest rate; currently, the fully indexed rate is 3.125%. Initial rate, APR and fees can vary depending on the size of the loan and the personal qualifications of individual members. Payments and APRs quoted are for a purchase/refinance loan amount of $200,000 on an owner-occupied single family property, with no cash out at closing, 20% down payment, 0 points, and a credit score of 740. Down-payment of less than 20% requires mortgage insurance. Property and flood insurance where required. Escrow account for the payment of taxes and insurance will be established. All loans subject to approval.

2 Your rate is guaranteed not to change more than 1-5% (up or down) at each adjustment and a 3-6% maximum adjustment over the life of the loan (the rate caps vary by term).