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Lock Your Rate for 120 Days

Are you concerned about rising mortgage interest rates during your ongoing search for your dream home? We can help you get pre-approved for your loan and lock in your interest rate for 120 days*. During this time period, your rate will not increase, leaving you more time to focus on your home search! Additionally, if interest rates decrease during this time, we have options for you to lower your rate.

With mortgage rates rising, locking in a lower rate can save you significant money over the life of a mortgage. For example, a 1% reduction in your mortgage rate can save you more than $49,000 on a $200,000 mortgage over 30 years. All you have to do is lock, search, and relax.

*Subject to credit approval, pre-approval with 120 day rate lock on a qualifying primary, single family, owner occupied or second home residence. Not available for all loan programs. Pre-approvals are subject to verification of credit, income, assets, and property approval. To guarantee 120 day rate lock, a qualifying property must be identified, and mortgage application submitted by the 75th calendar day from the date of the rate lock agreement. Rate lock terms are not guaranteed if: a. borrower changes loan products or terms, b. closing is delayed due to seller's failure to close on time, c. borrower fails to meet contract requirements, d. closing is delayed due to a third party requirement, including appraisal and inspection, e. closing date is not included in the contract, or f. loan documentation or application contains fraudulent information. Guthrie Community FCU reserves the right to amend, terminate or withdraw this offer at any time without prior notice. Loans are subject to final credit approval.



Where to Start

Information For First-Timers

About First-Time Home Buying

Congratulations! We're pleased to be helping you with your first home. The more you know about the home buying process, the more confident you will be in making the important decisions that will shape your home ownership experience.

The Mortgage Process

Buying a home has never been easier. We've streamlined and updated the entire mortgage process to bring you a faster, more technologically advanced way to finance your home.

Purchasing A Home

Purchasing a Home

Buying a new home is exciting and the process of financing it is now faster and easier than ever before.

The Mortgage Process

Buying a home has never been easier. We've streamlined and updated the entire mortgage process to bring you a faster, more technologically advanced way to finance your home.

Start Saving By Refinancing

Refinancing a Home

If the current value of your home has increased, it may make sense to refinance at a better rate or refinance to consolidate debt or plan a home improvement project.

The Mortgage Process

Buying a home has never been easier. We've streamlined and updated the entire mortgage process to bring you a faster, more technologically advanced way to finance your home.




Today's Rates
Today's loan rates
RatePointsAPRPayment
15/15 ARM - Conforming
Interest Rate5.500%Discount Points0APR5.983%Payment Amount$1,703
30 Year Fixed - Conforming
Interest Rate5.875%Discount Points0APR6.031%Payment Amount$1,775
Jumbo 30 Year Fixed
Interest Rate7.000%Discount Points0APR7.167%Payment Amount$5,988
20 Year Fixed - Conforming
Interest Rate5.750%Discount Points0APR5.957%Payment Amount$2,106
15 Year Fixed - Conforming
Interest Rate5.500%Discount Points0APR5.759%Payment Amount$2,451


Buying a home?



On-Line Mortgage Center

It's easy with Guthrie Community Credit Union and our partner, Credit Union Mortgage Association, Inc.  Your mortgage loan approval is just minutes away!  Experience the "Credit Union Mortgage Advantage" with reduced paperwork and hassle-free on-line mortgage applications.  It's really that simple: just a few questions and receive an on-line decision in minutes.

We have revolutionized the process to make it quick, easy, and more convenient for members.  Apply now and get approved in minutes!