Mobile Navigation Find a Location First Federal Lakewood, navigate to home utility navigation LOG IN primary site navigation Mortgage Rates Home Mortgage Lending Mortgage Rates All mortgage rates are subject to credit approval, subject to change without notice and effective as of . Rates displayed on this page are for conforming loans (less than or equal to $548,250). Loan programs below are subject to credit and underwriting approval. Certian fees and restrictions apply. For information regarding additional loan programs, please contact a Mortgage Loan Originator. APR=Annual Percentage Rate Fixed Rate Mortgages Purchase APRs based on $165,000.00 loan amount single family residence with 25% down payment and a 740+ FICO. Loans with less down payment may require mortgage insurance which will increase monthly payment. Taxes and insurance required but not included in payment amounts. Stated rates are not eligible for loan modifications. Maximum 75-day rate lock. Contact a Mortgage Loan Originator for details on all our mortgage products. Fixed Rate Mortgages Refinance APRs based on $165,000.00 loan amount single family residence with 25% down payment and a 740+ FICO. Loans with less down payment may require mortgage insurance which will increase monthly payment. Taxes and insurance required but not included in payment amounts. Stated rates are not eligible for loan modifications. Maximum 75-day rate lock. Contact a Mortgage Loan Originator for details on all our mortgage products. Fixed Rate Mortgages FHA - 30 Year APRs based on $165,000.00 loan amount single family residence with 3.5% down payment and a 680 FICO. Please note FHA products are available at a minimum FICO score of 620. Payments quoted include required monthly mortgage insurance premium. Taxes and other insurance required are not included in payment amounts. Stated rates are not eligible for loan modification. Maximum 60-day rate lock. Contact a Mortgage Loan Originator for details on all our mortgage products. Adjustable Rate Mortgages Purchase and Refinance Initial APRs & payments are based on $165,000.00 loan amount, 360 months, single family residence, with 25% down payment and a 740+ FICO. Subsequent payments are based off the “Recent Index” value plus the margin rounded to the nearest 1/8 for the remainder of the term. Future index values may be greater (or less) than the stated "recent index" values causing actual future principal and interest payments to be different than stated here. Loans with less of a down payment may require mortgage insurance which will increase the monthly payment. Taxes and insurance are required but not included in payment amounts. Rates are based on a 60-day rate lock. All conforming ARM products have margins of 2.75%. Interest rate changes on the 3/6 and 5/6 are limited to an initial period maximums of 2% with a subsequent period maximum of 1.00% a maximum lifetime maximum increase of 5%. Interest rate changes on the 7/6 and 10/6 ARM are limited to an initial period change of 5% with any subsequent period maximum of 1% with a lifetime maximum of 5%. Home Equity Lines of Credit - Existing Home This product has a variable rate feature. Interest rate is based on the Wall Street Journal Prime (Index) and a margin, as applicable. Maximum interest rate is 21%. Minimum monthly payments are interest only for 120 months. At the end of the initial 120 months no more advances of credit will occur and any remaining balance converts to a principal and interest payment for the next 120 months as provided for in the Agreement. Homeowners insurance is required. Flood insurance required, as applicable. This product has a $50 annual fee. Minimum loan amount is $10,000. Maximum loan amount for HELOC is $500,000. Primary residences only. Rates shown here are for loan with a CLTV (Combined Loan to Value) of 80% or less, FICO credit score of 740 or greater, and a debt-to-income ratio of less than or equal to 43%. Other rate and terms may be available if eligibility criteria can’t be met. Subject to credit and underwriting guidelines. Other restrictions may apply. Consult your tax adviser regarding the tax deductibility of interest. Featured Promotion Your Mortgage. Simplified. LEARN MORE Close Banner Your Mortgage. Simplified. Applying for a mortgage should be easy. Say hello to SimplyMortgage. LEARN MORE Free Consult Request a Free Consult for answers to all your mortgage-related questions! Learn More Scheduling an Appointment - Made Easier Schedule an appointment at your nearest branch. Schedule an Appointment Additional Links Meet Our Team Make a Loan Payment Personal Checking Mortgage Rates How can we help? We're here to help with all your banking needs. 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