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Mortgage - Purchase Rates

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Mortgage - Purchase Loan Rates

At Wings Financial, we’re bringing something new to the mortgage world: flexibility. With a wide range of fixed and adjustable-rate options, Wings offers the choices, experience and support to help you finance or refinance your home. At the end of the day, it’s not about fitting a member into a mortgage. It’s about fitting the right mortgage to a member.

Adjustable-Rate Loan
(up to $726,200)

Adjustable-Rate Loan Purchase Rate
As Low As1 		Purchase
APR2 		Loan
Amount 		Monthly
Payment
15/1 ARM - 30 Year 6.000% 6.051% $350,000 $2,098.43
10/5 ARM - 30 Year 6.000% 6.072% $350,000 $2,098.43
10/1 ARM - 30 Year 5.875% 5.947% $350,000 $2,070.38
7/1 ARM - 30 Year 5.250% 5.349% $350,000 $1,932.71
5/1 ARM - 30 Year 5.000% 5.135% $350,000 $1,878.88
5/1 ARM - 40 Year 5.250% 5.385% $350,000 $1,746.05

Fixed-Rate Loan
(up to $726,200)

Fixed-Rate Loan Purchase Rate
As Low As1 		Purchase
APR2 		Loan
Amount 		Monthly
Payment
30 Year 6.125% 6.156% $350,000 $2,126.64
20 Year 5.875% 5.915% $350,000 $2,482.33
15 Year 5.375% 5.425% $350,000 $2,836.63
10 Year 5.375% 5.447% $350,000 $3,776.78

Jumbo Loan
(greater than $726,200)

Jumbo Loan Purchase Rate
As Low As1 		Purchase
APR2 		Loan
Amount 		Monthly
Payment
15/1 ARM 5.875% 5.898% $800,000 $4,732.30
10/5 ARM 5.875% 5.908% $800,000 $4,732.30
10/1 ARM 5.750% 5.782% $800,000 $4,668.58
7/1 ARM 5.125% 5.169% $800,000 $4,355.90
5/1 ARM 4.875% 4.936% $800,000 $4,233.67
30 Year Fixed 6.125% 6.139% $800,000 $4,860.88
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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 $1143.80 ($1178.80 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 March 24, 2023 and subject to change.