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15 Year Conventional First Mortgage Rate Special (including re-finance)

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5.000% Fixed Rate

(15-year mortgage with the same rate as a 10-year)

  • Fast pre-approval decisions (this lets you know how much house you can afford, saving time and frustration when house hunting).
  • Fixed Rate – The interest rate is fixed at the beginning and remains the same throughout
    the life of the loan
  • Lower closing costs than banks (no junk fees or lock in fees) You receive the lowest rate
    between the time you apply and the time you close.
  • Our mortgages are not sold into the secondary market so you have the stability of
    knowing that you will always pay your payment to Affinity One
  • Additional principal payments are allowed with no pre-payment penalty
  • No PMI Insurance (Affinity One requires 20% equity, this can be achieved through down payment when purchasing or owning the home which is higher in value than what is borrowed).

Credit Union vs. Bank

When seeking a conventional mortgage whether purchasing or re-financing the consumer should look at the benefits that exist when selecting from a Credit Union.  Credit Unions are not-for-profit cooperatives that are specifically created to benefit its members.  Members of a credit union are part of a financial institution that’s designed to enhance their financial wellness vs. a bank where the interests of stockholders must be considered.

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