XCEL Federal Credit Union

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Refinancing or purchasing a home doesn’t have to be complicated and hard to understand. Your credit union make it an easy and rewarding process, with friendly, knowledgeable mortgage specialists who help you choose the very best loan for you. You’ll also get XCEL’s favorable “credit union” rates, low or no fees and convenient payment options.

XCEL is now offering adjustable rate mortgages, as well as fixed rate loans, for primary and second residences (one unit vacation home). Mortgages are available for residences in New York, New Jersey, Pennsylvania, Connecticut, Maryland, Florida, Virginia and Georgia.

Fixed Rate Mortgages:

Fixed 15, 20, and 30 year terms available for primary and secondary residences (vacation home)
Conventional loans up to $417,000
Mortgages up to 95% of home value; 90% for refinances
No Points and Points options

Adjustable Rate Mortgages:

Choose the low initial payments of the one year ARM or the more stable interest rate of one, three, five, seven or 10 year fixed period ARM
One-family loans up to $417,000
Mortgage of a primary residence, one to two units, up to 95% of home value; three to four units up to 80%
Mortgage of second residence, one unit vacation home, up to 95% of home value
Refinance of primary resident, one to two units, up to 90% of home value; three to four units, up to 80%
Refinance of second residence, one unit vacation home, up to 90% of home value
Mortgages will be adjusted annually after the first initial period
No Points and Points options