Mortgage Rates

Rates as of Wednesday, December 26, 2018

Product DescriptionPointsOrigination FeeInterest RateAPRPayment per $1,000Payments
Conventional Rate Loans
30 Year Fixed0.0001.000%4.375%4.543%$4.99Show Payments
20 Year Fixed0.0001.000%4.250%4.480%$6.19Show Payments
15 Year Fixed0.0001.000%3.875%4.166%$7.33Show Payments

The above interest rates are subject to change. Interest rates are based upon the applicant's credit score, term of the loan request, and are subject to approval.

We also offer the following loans:

• VA Loans
• Adjustable Rate Loans
• Texas Veteran Land Board Home Loans
• Home Equity Loans


Consumer Handbook on Adjustable Rate Mortgages (ARM): CHARM Booklet

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CLOSING COST CREDIT/DOWN PAYMENT ASSISTANCE
***On approved credit with minimum loan amount of $100,000. Maximum credit amount may not exceed $1,500. Credit will be applied toward FirstLight fees on a FirstLight home loan only. Offer not valid towards any third party vendor fees, or combined with any other discounts, or on existing FirstLight home loans. Home loans available for properties in Texas or New Mexico. Excludes unimproved land, construction loans, refinances and equity loans. Discount may not be applied to government insured home loans (such as, but not limited to VA, FHA, and TexasVet) or combined with any other home buyer assistance program. Coupon has no cash value and cannot be redeemed for cash. Ask your Mortgage Loan Originator for more information.


HOME LOAN SERVICING INQUIRES, ERROR RESOLUTION REQUESTS AND/OR DISPUTES

If you believe an error has been made on your mortgage loan or have questions pertaining to the servicing of your account, please send us a written statement addressing your inquiry or the error in question. If you are writing about an error, please include documentation to support why you believe we have made an error on your account. Your letter must be signed and contain your full name, property address, loan number and your current contact information so we may follow up with you. Please forward letters and supporting documentation to the address below:

FIRSTLIGHT FEDERAL CREDIT UNION
Attn: Mortgage Servicing Dept – Dispute / Inquiry
P.O. Box 4318 , El Paso, Texas 79914

Click here for printable Home Loan Error Resolution Form

*Non-dispute inquiries can also be addressed by contacting the Mortgage Servicing Department at (800) 351-1670 Ext. 1796


HOME LOAN ASSISTANCE

Click here to access the Home Loan Assistance form

**Continue to make your monthly payments to the issuer/merchant until you receive a statement from the issuer/merchant reflecting the balance transfer payment. Existing FirstLight FCU loans or credit cards will not be eligible for balance transfers. FirstLight FCU will not be responsible for any finance charges or late fees incurred due to your nonpayment. Each balance transfer will be treated as a purchase as described in your Credit Card Agreement and is subject to credit availability. If there is a balance transfer promotion, any balance transfers processed after the promotional period will incur finance charges at the standard rate. Minimum payments will be applied to any balance at the lower rate before being applied to balances at the card’s standard rate. To the extent your payments exceed the minimum payment due each billing period, we will apply them to balances with high APRs prior to balances with low APRs. If you have not activated your credit card, please call 1-800-527-7728 to do so. Please be sure to read the Credit Card Agreement and Account Opening Disclosures for more details. Remember, FirstLight Federal Credit Union is here for you as we help you find more ways to move beyond banking!