HOME LOANS

Offers, programs, rates, terms, and conditions are current as of 5/8/2019 and are subject to change at any time without notice. Ask an associate for details.

¹Program and rewards, including the Cash-Back bonus, are provided by Cartus Corporation and made available to Xceed Financial Federal Credit Union members. The Cash-Back bonus is offered in most states. The Cash-Back bonus is only available with the purchase and/or sale of your home through the use of a program-recommended real estate agent. Customers are not required to receive financing from Xceed Financial Federal Credit Union in order to receive benefits of this program. All real estate commissions are negotiable. Other terms and conditions may apply. Please check with an Xceed Mortgage Loan Officer for details.

²Certain terms, restrictions and conditions apply, are subject to change, and may be discontinued at any time. This is not a commitment to lend. Offer valid 12/01/17 – 12/31/19. Closer to Home, 15 day guarantee is defined as Xceed Financial Credit Union will have cleared all lender conditions so that final loan documents are ready to be sent to the member’s closing agent within 15 business days. Member must be pre-approved by Xceed prior to contracting to buy the home; preapproval must be current, within 90 days of contract with no material financial changes. Buyer must provide to Xceed within 2 days of offer acceptance: an executed sales contract, all loan documentation as required, member’s authorization to proceed with the loan and any upfront fees. Loan rate, amount, and terms must be locked and remain unchanged at least 10 business days prior to the “Closer to Home, 15 day guarantee” signing date. Escrow period not to exceed 45 days. Offer available only for conforming, high balance conforming and portfolio purchase loans on single family residences including condos and PUDs. Limited to CA, CO, CT, FL, NC, NJ, NY, PA, and TX. Offer not valid for FHA/VA loans, HELOCs, second mortgages or refinance loans. Xceed will waive the entire processing fee, up to $895, if the 15 business day timing is not met, provided all other conditions are met. Guarantee does not apply to events beyond the control of Xceed, including appraised value, borrower/seller/third-party delays, outside second lien holder approval, short sale approval, lender conditions that cannot be met by any party, or acts of God, i.e. inclement weather. Ask an associate for details.

³Conforming rates and payments based on a loan amount of $484,350. HELOC and HE loan are based on $100,000. Certain rate and/or point adjustments may apply depending on loan features. XFCU updates this rate page daily between 6:00-9:00 AM PT on business days. All rates quoted assume a 45 day rate lock. Other rate lock periods are available. Interest rates posted on this sheet are based on a 740 FICO and a purchase of 60% loan to value (LTV) Owner occupied single family residence property in California. Additional fees may apply based on credit score, LTV, property type, occupancy, and cash out refinances.

⁴Additional terms, conditions, and restrictions apply. Limited time offer. APR=Annual Percentage Rate. Payment example for $450,000 loan amount at 3.875% + 0.125 points (3.945% APR) with 360 monthly payments is $2,116.07. After applying the ½ point reduction to lower the rate, a $450,000 loan amount at 3.750% + 0.25 points (3.872% APR) with 360 monthly payments is $2,084.02, saving $11,538 over the life of the loan. Or you can save $2,250 off closing costs upfront. Actual rates may vary based on credit history, term, loan amount, and underwriting factors. Rate quote based on owner-occupied, single family residence purchase at 60% loan to value and a borrower with excellent credit. Payment does not include taxes and insurance. This is not a commitment to lend. Credit and collateral are subject to approval. Other rate, cost and payment comparisons are available. Contact us for a free quote. Points paid for a lower rate on a purchase loan may be tax deductible. Ask your tax advisor for details. Cannot be combined with any other offer.

⁵Enrollment in the WISH Program does not guarantee the homebuyer receipt of WISH funds. This is not a commitment to lend. Xceed Financial Credit Union loan limits, collateral requirements, and underwriting guidelines will be followed. Programs, rates, terms and conditions are subject to change at any time without notice. Additional terms, conditions, and restrictions apply.