*Must provide a loan estimate with a lock rate from competing lender that is dated and received within three calendar days from locking a rate with JSC FCU. We may beat the competing rate up to one-eighth of a percent. Third party closing fees will apply.  The rate we offer cannot be 1% below par rate for that day. The terms of the competing loan must be identical to JSC FCU’s loan. For example, a 30 year fixed rate mortgage is not identical to a 30 year fixed mortgage that includes discount points. Other eligibility includes a credit score of 680 or greater, debt-to-income ratio not to exceed 43% and loan-to-value ratio not to exceed 95%. Other credit and income qualifications will apply. Minimum refinance amount of $75,000. Other conditions will apply if you are financing a cash out mortgage with JSC Federal Credit Union: the rate will vary, the minimum refinance amount is $150,000 with a maximum loan to-value ratio of 80%. This offer excludes beachfront homes. Real estate promotions cannot be combined. Please contact a JSC FCU representative for more details. JSC FCU has the right to cancel or change this promotion at any time.1No origination fee offer only applies for mortgage loans financed in excess of $453,100. 2The total amount paid by JSC FCU and the seller cannot exceed 3% of the total amount financed based on a 95% loan-to-value ratio. The only items you will be responsible to pay for are the down payment and recurring costs which are property taxes, homeowner’s insurance, HOA dues and prepaid per diem interest. By accepting the no closing cost option, the rate will be 0.50% higher than if you choose to pay for closing cost. There will be a 2% pre-payment penalty on the unpaid principal balance if the loan is paid in full within the first two years of the loan. JSC FCU also provides an option without a pre-payment penalty. Certain credit and income qualifications may apply. Investment properties, Jumbo Loans and mortgage refinances are not eligible for this offer. Please contact a representative for more details. 3Discount on origination fee is based on the amount that is financed and cannot be combined with the no closing cost option. Please contact a JSC FCU representative for more details.JSC FCU reserves the right to cancel or change these promotions at any time.

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