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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.

Fixed-Rate Loan
(up to $647,200)

Fixed-Rate Loan Purchase Rate
As Low As1
Purchase
APR2
Loan
Amount
Monthly
Payment
30 Year 5.000% 5.039% $250,000 $1,342.05
20 Year 4.750% 4.802% $250,000 $1,615.56
15 Year 4.250% 4.316% $250,000 $1,880.70
10 Year 4.250% 4.344% $250,000 $2,560.94

Adjustable-Rate Loan
(up to $647,200)

Adjustable-Rate Loan Purchase Rate
As Low As1
Purchase
APR2
Loan
Amount
Monthly
Payment
15/1 ARM 4.750% 4.817% $250,000 $1,304.12
10/5 ARM 4.750% 4.845% $250,000 $1,304.12
10/1 ARM 4.625% 4.720% $250,000 $1,285.35
7/1 ARM 4.500% 4.632% $250,000 $1,266.71
5/1 ARM 4.250% 4.430% $250,000 $1,229.85

Jumbo Loan
(greater than $647,200)

Jumbo Loan Purchase Rate
As Low As1
Purchase
APR2
Loan
Amount
Monthly
Payment
30 Year Fixed 5.000% 5.012% $800,000 $4,294.57
15/1 ARM 4.625% 4.646% $800,000 $4,113.12
10/5 ARM 4.625% 4.655% $800,000 $4,113.12
10/1 ARM 4.500% 4.530% $800,000 $4,053.48
7/1 ARM 4.375% 4.417% $800,000 $3,994.28
5/1 ARM 4.125% 4.183% $800,000 $3,877.20
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 August 12, 2022 and subject to change.