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Mortgage Early Rate Lock

RateKeeper helps you house hunt with confidence.
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RateKeeper Early Rate Lock

Shop for a home without worrying about rising interest rates. Wings' early rate-lock program, RateKeeper, combines flexibility and peace of mind for a better buying process.

Choose a 60- to 180-Day Lock

It’s up to you: lock in your rate for 60 days at no cost, or choose a longer rate lock for an additional fee. If you don’t find a home, any fees will be waived.

RateKeeper Options

Free 60-day rate lock

 

Fee: % of Loan Amount

60-day lock

Free

90-day lock

0.250%

120-day lock

0.375%

150-day lock

0.500%

180-day lock

0.625%

 

No fee will be charged if the rate lock expires before closing and is not re-locked. A one-time re-lock option is available up until a signed purchase agreement is received. New-construction rate lock available for 120 days with no fee. Rate lock fee is based on the initial lock term and will be collected at closing. Membership with a minimum $5 Share Savings opening deposit required.

Mortgage Rates for New Purchases

Fixed-Rate Loan
(up to $647,200)
Purchase Rate
As Low As1
Purchase
APR2
Loan
Amount
Monthly
Payment
30 Year 6.250% 6.292% $250,000 $1,539.29
20 Year 6.000% 6.055% $250,000 $1,791.08
15 Year 5.500% 5.568% $250,000 $2,042.71
10 Year 5.500% 5.597% $250,000 $2,713.16
Adjustable-Rate Loan
(up to $647,200)
Purchase Rate
As Low As1
Purchase
APR2
Loan
Amount
Monthly
Payment
15/1 ARM 5.750% 5.818% $250,000 $1,458.93
10/5 ARM 5.750% 5.847% $250,000 $1,458.93
10/1 ARM 5.375% 5.471% $250,000 $1,399.93
7/1 ARM 5.250% 5.383% $250,000 $1,380.51
5/1 ARM 5.000% 5.182% $250,000 $1,342.05
Jumbo Loan
(greater than $647,200)
Purchase Rate
As Low As1
Purchase
APR2
Loan
Amount
Monthly
Payment
30 Year Fixed 6.250% 6.263% $800,000 $4,925.74
15/1 ARM 5.625% 5.647% $800,000 $4,605.25
10/5 ARM 5.625% 5.656% $800,000 $4,605.25
10/1 ARM 5.250% 5.281% $800,000 $4,417.63
7/1 ARM 5.125% 5.168% $800,000 $4,355.90
5/1 ARM 4.875% 4.933% $800,000 $4,233.67
General Terms for all Loans:
1Rates are based on an evaluation of your credit history and other factors, so your rate may differ.
2The APR (Annual Percentage Rate) and monthly payment examples assume a 20% down payment and $1099.50 ($1129.50 JUMBO) estimated borrower pre-paid finance charges. If the down payment is less than 20%, private mortgage insurance (PMI) may be required on the loan and could result in an increased APR and payment.
Rate Locks - 60 Days - No Fee
$950 loan origination fee - Additional third-party closing costs will apply.

Additional Fixed Rate Terms:
The 30-year fixed rate mortgage product with 3% minimum down payment (97% LTV) available to first-time home buyers only.
Fixed rate mortgages may be subject to FNMA fees based on credit score, LTV and other factors which may apply.

Additional Adjustable-Rate Mortgage (ARM) Terms:
Adjustable-Rate Mortgage (ARM) rates are subject to change according to product terms.
ARM product with 10% down payment (90% LTV) with no PMI are subject to a rate add on of 0.125%.
ARM product with 3% minimum down payment (97% LTV) with no PMI are available to first-time home buyers only subject to a rate add on of 0.25%.
3% minimum down payment (97% LTV) available to all homebuyers on ARM products but is subject to PMI.

Membership with a $5 Share Account required.

Rates effective as of December 2, 2022 and subject to change.

Mortgage Rates for Refinances

Fixed-Rate Loan
(up to $647,200)
Refinance Rate
As Low As1
Refinance
APR2
Loan
Amount
Monthly
Payment
30 Year 6.250% 6.292% $250,000 $1,539.29
20 Year 6.000% 6.055% $250,000 $1,791.08
15 Year 5.500% 5.568% $250,000 $2,042.71
10 Year 5.500% 5.597% $250,000 $2,713.16
Adjustable-Rate Loan
(up to $647,200)
Refinance Rate
As Low As1
Refinance
APR2
Loan
Amount
Monthly
Payment
15/1 ARM 5.750% 5.818% $250,000 $1,458.93
10/5 ARM 5.750% 5.847% $250,000 $1,458.93
10/1 ARM 5.375% 5.471% $250,000 $1,399.93
7/1 ARM 5.250% 5.383% $250,000 $1,380.51
5/1 ARM 5.000% 5.182% $250,000 $1,342.05
Jumbo Loan
(greater than $647,200)
Refinance Rate
As Low As1
Refinance
APR2
Loan
Amount
Monthly
Payment
30 Year Fixed 6.250% 6.263% $800,000 $4,925.74
15/1 ARM 5.625% 5.647% $800,000 $4,605.25
10/5 ARM 5.625% 5.656% $800,000 $4,605.25
10/1 ARM 5.250% 5.281% $800,000 $4,417.63
7/1 ARM 5.125% 5.168% $800,000 $4,355.90
5/1 ARM 4.875% 4.933% $800,000 $4,233.67
General Terms for all Loans:
1Rates are based on an evaluation of your credit history and other factors, so your rate may differ.
2The APR (Annual Percentage Rate) and monthly payment examples assume 80% Loan-to-Value (LTV) and $1099.50 ($1129.50 JUMBO) estimated borrower pre-paid finance charges. If the LTV is greater than 80%, private mortgage insurance (PMI) may be required on the loan and could result in an increased APR and payment.
Rate Locks - 60 Days - No Fee
$950 loan origination fee - Additional third-party closing costs will apply.

Additional Fixed Rate Terms:
Fixed rate mortgages may be subject to FNMA fees based on credit score, LTV and other factors which may apply.

Additional Adjustable-Rate Mortgage (ARM) Terms:
Adjustable-Rate Mortgage (ARM) rates are subject to change according to product terms.
ARM product with 90% LTV with no PMI is subject to a rate add on of 0.125%


Membership with a $5 Share Account required.

Rates effective as of December 2, 2022 and subject to change.

Our Loan Officers are here to help.

Buying a home is one of the biggest purchases most people will make. Whether you're ready to apply or just gathering information, Wings Loan Officers are here to help answer your mortgage loan questions.

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