Real Estate Loans
Finding your perfect mortgage is as important as finding your perfect house. We offer you peace of mind at Associated School Employees Credit Union. You can trust our mortgage experts to listen to your needs, answer all your questions, and explain the details, so there are no surprises. We offer a variety of mortgage loans with low closing costs and easy payment options-all designed to save you money. We’re local and we keep our loans local. ASECU does not sell our mortgages on the secondary market.
Real Estate Rates
| 10 Year Mortgage | ||||
| Effective Date: 5/13/2022 | ||||
| Term | Rate as low as | Points | APR* As Low As | Process Fees |
| 10 Year Fixed | 4.88% | 0% | 5.02% | 1200.00 |
| 10 Year Fixed | 4.75% | 1% | 5.12% | 1200.00 |
| 10 Year Fixed | 4.63% | 2% | 5.22% | 1200.00 |
| 15 Year Mortgage | ||||
| Effective Date: 05/13/2022 | ||||
| Term | Rate | Points | APR* As Low As | Process Fees |
| 15 Year Fixed | 4.88% | 0% | 4.98% | 1200.00 |
| 15 Year Fixed | 4.75% | 1% | 5.01% | 1200.00 |
| 15 Year Fixed | 4.63% | 2% | 5.04% | 1200.00 |
| 20 Year Mortgage | ||||
| Effective Date: 05/13/2022 | ||||
| Term | Rate as low as | Points | APR* as low as | Process Fees |
| 20 Year Fixed | 5.00% | 0% | 5.08% | 1200.00 |
| 20 Year Fixed | 4.88% | 1% | 5.08% | 1200.00 |
| 20 Year Fixed | 4.75% | 2% | 5.07% | 1200.00 |
| 30 Year Mortgage | ||||
| Effective Date: 05/13/2022 | ||||
| Term | Rate | Points | APR* As Low As | Process Fees |
| 30 Year Fixed | 5.13% | 0% | 5.19% | 1200.00 |
| 30 Year Fixed | 5.00% | 1% | 5.15% | 1200.00 |
| 30 Year Fixed | 4.88% | 2% | 5.11% | 1200.00 |
| 2nd Mortgage | ||||
| Effective Date: Thursday, May 26th, 2022 | ||||
| Term | Rate as low as | Points | APR* as low as | Closing Fees |
| 10 Years | 5.00% | 0% | 5.35% | 1200.00 |
| HELOC |
| Home Equity Line of Credit - Variable Rate | ||
| Effective Date: Thursday, May 26th, 2022 | ||
| Prime | Rate as low as | APR* as low as |
| 4.00% | 4.00% | 4.00% |
APR* = Annual Percentage Rate. APR examples are based on a loan amount of $175,000. Additional Appraisal fee will apply. Rates, APRs, and points are subject to change. APR will vary based on the final loan amount, finance charges and other factors. All loans are subject to credit approval. ASECU is an Equal Housing Lender.
| 2nd Mortgage | ||||
| Effective Date: Thursday, May 26th, 2022 | ||||
| Term | Rate as low as | Points | APR* as low as | Closing Fees |
| 10 Years | 5.00% | 0% | 5.35% | 1200.00 |
APR* = Annual Percentage Rate. APR examples are based on a loan amount of $75,000 plus originiation fees. Additonal fees will apply; apprasial, flood search, title work and recording. Rates, terms and conditions are subject to change. All loans are subject to credit approval. Equal Housing Lender.
Home Equity Line of Credit (HELOC)
Use the equity in your home to make purchases that you want now! Write checks using your credit line to pay bills, make purchases, home improvements and more! Ask us for details and apply for your Home Equity Line of Credit today!
| Home Equity Line of Credit - Variable Rate | ||
| Effective Date: Thursday, May 26th, 2022 | ||
| Prime | Rate as low as | APR* as low as |
| 4.00% | 4.00% | 4.00% |
Home Equity Line of Credit variable APR is based on the Wall Street Jounral (WSJ) Prime Rate. Rates are subject to change without notice. No annual fee.
The credit union and our Mortgage Loan Originators are registered with the Nationwide Mortgage Licensing System & Registry (NMLS).
ASECU NMLS#451588
Lori Pugh NMLS#477158
Mark Dickey NMLS#616683
Teri Pike NMLS#616684
Vicki Pelyak NMLS #2157786
Questions? Call ASECU at (330) 792-4000 or email a Mortgage Loan Officer at loans@asecu.com.
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