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Important Disclaimers

Not everyone that applies will qualify for the rates shown above. Rates shown above are based on an applicant FICO score of at least 740 for an owner-occupied home purchase, with a loan amount of $200,000 for all loans except Jumbo which is based on a $806,500 loan amount, and a loan-to value ratio of no more than 60%. All loans are subject to individual credit approval and subject to change without notice. Please note that the rates posted are rate locks do not exceed 60 days. Pre-qualification is not a commitment to lend.

*All loans are subject to credit qualification, credit worthiness and other factors. All rates, promotions and offers are subject to change without notice.

**Annual Percentage Rate. Mortgages rates for investment properties are higher. Please Contact a Mortgage Representative at 215-969-2823 for the interest rates and fees for investment properties and for loans less than $50,000 or more than $806,500.

***2% listing rate offer. All real estate commissions are negotiable. American Heritage Realty is an affiliate of First Heritage Realty Alliance.

† The No Closing Cost Mortgage Refinance offer applies to loans with a completed application date of January 31, 2025 or later. Rates and promotions effective as of January 31, 2025 and are subject to be cancelled, extended or changed without prior notice. The listed No Closing Cost Interest Rates are based on a $200,000 conventional loan up to $806,500, a 80% Loan-to-Value, a minimum 660 or better FICO score, and a Debt-to-Income ratio no higher than 45%. For rates on loans greater than $806,500, please contact us. If you do not meet the stated criteria, other mortgage refinance programs may be available to you. Members who have refinanced a home under our previous No Closing Cost Mortgage Refinance program within six months prior to today are not eligible to apply for current No Closing Cost Mortgage Refinance program. Mortgage loan approvals are subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Each tax situation is unique, consult a tax and/or legal advisor for advice and information concerning your particular situation. Your rates may vary based on LTV, credit scores or loan amount. Loan rates are posted daily at AmericanHeritageCU.org and subject to change without prior notice. The mortgage loan payment obligations will be greater if taxes, homeowners insurance, or private mortgage insurance are included. The No Closing Cost Mortgage Refinance option: a) the borrower pays no closing costs, however taxes may need to be escrowed and property insurance is required; b) there is no cash out available; c) offer is only available for primary and secondary residences and does not include rental or investment properties. Choosing an origination fee option will increase the final APR. Other restrictions may apply, please contact an American Heritage Credit Union lender at 215.969.0777 for details.

‡Adjustable Rate Mortgage (ARM) products feature payments that may change in the future. The fixed rate period varies based on the ARM loan you select: A 3/1 ARM has a fixed interest rate for three years (36 months), a 5/1 ARM has a fixed interest rate for five years (60 months) and a 7/1 ARM has a fixed interest rate for seven years (84 months). After the fixed rate period ends, the rate can then change every year (12 months) thereafter. The variable rate is based on the one-year Constant Maturity Treasury (CMT) yield, plus a fixed margin of 3.00%. Rate cannot increase or decrease by more than two percentage points annually or more than six percentage points over the life of the loan. Available for owner-occupied only. For purchase only. Up to 95% Loan to Value. Mortgage insurance required for Loan-to-Value ratios of 81% to 95%.

SAFE Act