Mortgage Rates

There's no place like home.

And there's no place like North Shore Federal for market-setting low interest rates. Plus, our streamlined process has most loans closing within 30 days.

Mortgage rates fluctuate daily so please speak to a lender for up to the minute rates and terms.
Posted rates effective 11/15/2018 and are for estimate purposes only and subject to change daily.

NSFCU Direct FHLB Mortgage Loans
Term Patronage Pricing APR* Est. Payment Par Pricing APR* Est. Payment
15 Year 4.375% $7.59 per $1,000 Financed 4.625% $7.71 per $1,000 Financed
20 Year 4.375% $6.26 per $1,000 Financed 4.625% $6.39 per $1,000 Financed
30 Year 4.625% $5.14 per $1,000 Financed 4.875% $5.29 per $1,000 Financed
NSFCU In House Mortgage Loans
Term APR* Est. Payment
3 Year Adjustable Rate (ARM) 5.25% N/A
5 Year Adjustable Rate (ARM) 5.50% N/A
10 Year Fixed Rate 4.99% $10.60 per $1,000 Financed
Construction & Bare Land Loans
Term APR* Est. Payment
Construction Only - 12 Month Maximum 5.99% $86.06 per $1,000 Financed
Construction to Permanent - with one closing    
12 Month Construction to 3 Year Adjustable Rate (ARM) 5.25% N/A
12 Month Construction to 5 Year Adjustable Rate (ARM) 5.50% N/A
12 Month Construction to 10 Year Fixed Rate 4.99% $9.86 per $1,000 Financed
Bare Land    
3 Year Adjustable Rate (ARM) 6.25% N/A
5 Year Adjustable Rate (ARM) 6.50% N/A

* Annual Percentage Rate
Rates are based on a 30-day lock.
A 0.75% origination fee and a $275 compliance fee will be applied.
Patronage Pricing - Relationship Requirements Apply