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Widget Federal Credit Union offers a variety of loan programs to meet your needs. We also offer conventional products through PFHA not listed below. If you don't see a product you are looking for, please contact us for more information. 

To apply for a mortgage, click on the "Get Started" button to the left.  You will set up a secure account , allowing you view your application status throughout the process.

 
30 Year Fixed Rate - Primary Residence
20 Year Fixed Rate - Primary Residence
15 Year Fixed Rate - Primary Residence
30 Year FHA - Primary Residence
97% First-Time Homebuyer 30 Year Fixed Rate
97% First-Time Homebuyer 15 Year fixed rate

Rates last updated on Wednesday, May 22, 2019

30 Year Fixed Rate - Primary Residence
This is a conventional loan with a fixed rate and term of 30 years.  Typically, the minimum down payment is 5%.

Term: 30 years   Maximum Amount: $417,000
RatesAPRPoints
4.125%4.236%0%
 

 Payment and APR (Annual Percentage Rate) are based on a purchase price of $125,000 and loan amount of $100,000.     If you have less than 20% down payment or equity, there will be Private Mortgage Insurance (PMI).


20 Year Fixed Rate - Primary Residence
This is a conventional loan with a fixed rate and term of 20 years. Typically, the minimum down payment is 5%.

Term: 20 years   Maximum Amount: $417,000
RatesAPRPoints
4%4.124%0%
 

 Payment and APR (Annual Percentage Rate) are based on a purchase price of $125,000 and loan amount of $100,000.    If you have less than 20% down payment or equity, there will be Private Mortgage Insurance (PMI).


15 Year Fixed Rate - Primary Residence
This is a conventional loan with a fixed rate and term of 15 years. Typically, the minimum down payment is 5%.

Term: 15 years   Maximum Amount: $417,000
RatesAPRPoints
3.75%3.945%0%
 

 Payment and APR (Annual Percentage Rate) are based on a purchase price of $125,000 and loan amount of $100,000.   If you have less than 20% down payment or equity, there will be Private Mortgage Insurance (PMI).


30 Year FHA - Primary Residence

An FHA loan is a government insured loan that requires a minimum of 3.5% down payment.

Term: 30 years   Maximum Amount: $271,050
RatesAPRPoints
4.375%5.358%0%

97% First-Time Homebuyer 30 Year Fixed Rate
Widget's First-Time Homebuyer product is a great fit for members with good credit but not a lot of cash. Ask one of our Mortgage Specialists for more details.

Term: 30 years   Maximum Amount: $400,000
RatesAPRPoints
4.25%4.843%0%

97% First-Time Homebuyer 15 Year fixed rate
Widget's First-Time Homebuyer product is a great fit for members with good credit but not a lot of cash. Ask one of our Mortgage Specialists for more details.

Term: 15 years   Maximum Amount: $400,000
RatesAPRPoints
3.875%4.399%0%


 

Please keep in mind that the rates shown are subject to change without notice.  Contact a Mortgage Specialist for additional information.