Contact
Locations
Rates
Mortgage rates dropped! Apply today.
It could be a good time for you to buy or refinance.
Show me the rates!
Get truly Free Checking
No hidden fees! Our Free Checking¹ account is really, actually, honestly free!
Open my account nowCross-domain URLs in GA
openaccount.desertfinancial.com
solutions.desertfinancial.com
loancenter.desertfinancial.com
olb.desertfinancial.com
creditcardlearnmore.com
URLs NOT in GA
Mortgage Refinance
Learn moreMortgage loans are offered by Define Mortgage Solutions, LLC, NMLS ID #1761612, BK#0949053, a subsidiary of Desert Financial Credit Union.
Rates are subject to change without notice.
Apply for a Mortgage
Mortgage Refi
Rates
APR
Points
CONFORMING LOAN
Interest Rate
5.875%
APR
6.133%
Estimated Value
$450,000
Loan Amount
$325,000
Term
15 years
Monthly Payment
$2,712
Purchase Rate Assumptions and APR Information
Today's purchase rates are based on the purchase of a single-family, primary residence, a credit score of 740
Rates valid on {current-date}. Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR.
CONFORMING LOAN
Interest Rate
6.625%
APR
6.761%
Estimated Value
$450,000
Loan Amount
$325,000
Term
30 years
Monthly Payment
$2,075
Purchase Rate Assumptions and APR Information
Today's purchase rates are based on the purchase of a single-family, primary residence, a credit score of 740
Rates valid on {current-date}. Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR.
CONFORMING LOAN
Interest Rate
6.25%
APR
7.199%
Estimated Value
$450,000
Loan Amount
$325,000
Term
5 year ARM
Monthly Payment
$1,995
Purchase Rate Assumptions and APR Information
Today's purchase rates are based on the purchase of a single-family, primary residence, a credit score of 740
Rates valid on {current-date}. Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR.
CONFORMING LOAN
Interest Rate
6.375%
APR
7.103%
Estimated Value
$450,000
Loan Amount
$325,000
Term
7 year ARM
Monthly Payment
$2,021
Purchase Rate Assumptions and APR Information
Today's purchase rates are based on the purchase of a single-family, primary residence, a credit score of 740
Rates valid on {current-date}. Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR.
CONFORMING LOAN
Interest Rate
5.75%
APR
6.072%
Estimated Value
$326,000
Loan Amount
$314,590
Term
FHA 30 Year Fixed
Monthly Payment
$1,836
Purchase Rate Assumptions and APR Information
Today's purchase rates are based on the purchase of a single-family, primary residence, a credit score of 740
Rates valid on {current-date}. Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR.
NON-CONFORMING LOAN
Interest Rate
6.00%
APR
6.169%
Estimated Value
$1,100,000
Loan Amount
$795,000
Term
15 years
Monthly Payment
$6,683
Purchase Rate Assumptions and APR Information
Today's purchase rates are based on the purchase of a single-family, primary residence, a credit score of 740
Rates valid on {current-date}. Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR.
NON-CONFORMING LOAN
Interest Rate
6.50%
APR
6.592%
Estimated Value
$1,100,000
Loan Amount
$795,000
Term
30 years
Monthly Payment
$5,006
Purchase Rate Assumptions and APR Information
Today's purchase rates are based on the purchase of a single-family, primary residence, a credit score of 740
Rates valid on {current-date}. Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR.
NON-CONFORMING LOAN
Interest Rate
6.25%
APR
7.155%
Estimated Value
$1,100,000
Loan Amount
$795,000
Term
5 year ARM
Monthly Payment
$4,876
Purchase Rate Assumptions and APR Information
Today's purchase rates are based on the purchase of a single-family, primary residence, a credit score of 740
Rates valid on {current-date}. Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR.
NON-CONFORMING LOAN
Interest Rate
6.375%
APR
7.060%
Estimated Value
$1,100,000
Loan Amount
$795,000
Term
7 year ARM
Monthly Payment
$4,941
Purchase Rate Assumptions and APR Information
Today's purchase rates are based on the purchase of a single-family, primary residence, a credit score of 740
Rates valid on {current-date}. Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR.
Disclosures
1Rates are subject to change without notice.
Fixed & ARM Loans - Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR.
ARM Loans - The interest rate will be based on the 30-Day Average of the SOFR index as published by the Federal Reserve Bank of New York.