Mortgage Rates 

Buying a home is a significant milestone in your life but it can be stressful trying to stay within your budget. That’s why Partners Financial FCU is here to offer you a range of loans with competitive mortgage rates.

Enjoy these benefits with your Partners Financial mortgage loan:

  • Affordable interest rates
  • Loan options to suit your situation
  • Flexible mortgage loan terms
  • Simple online application to pre-qualify
  • Expert guidance every step of the way

Whether you’re a first-time home buyer or a repeat buyer, or you’re looking to refinance your existing home loan, you can team up with Partners Financial FCU today and get the right rate and mortgage payment for your budget.

Richmond Mortgage Rates

Choose the best type of home loan for you and your family and unlock a competitive mortgage rate with Partners Financial FCU.

Type & TermRateAPR
Conventional First Mortgage Loans 10 Year Fixed4.500%4.669%*
Conventional First Mortgage Loans 15 Year Fixed4.500%4.617%*
Conventional First Mortgage Loans 20 Year Fixed4.750%4.844%*
Conventional First Mortgage Loans 30 Year Fixed5.000%5.071%*
Home Equity Fixed Rate Loan 10 Year4.250%-5.250%4.287%-5.297%
Home Equity Fixed Rate Loan 15 Year4.750%-5.750%4.779%-5.787%
Home Equity Line of Credit6.750%-7.750%6.750%-7.750%

Loan Type and Term: Conventional First Mortgage Loans 10 Year Fixed
Interest Rate: 4.500%
APR*: 4.669%*
Next Steps: Apply Now

Loan Type and Term: Conventional First Mortgage Loans 15 Year Fixed
Interest Rate: 4.500%
APR*: 4.617%*
Next Steps: Apply Now

Loan Type and Term: Conventional First Mortgage Loans 20 Year Fixed
Interest Rate: 5.250%
APR*: 5.348%*
Next Steps: Apply Now

Loan Type and Term: Conventional First Mortgage Loans 30 Year Fixed
Interest Rate: 5.500%
APR*: 5.575%*
Next Steps: Apply Now

Loan Type and Term: Home Equity Fixed Rate Loan 10 Year
Interest Rate: 4.250%-5.250%
APR*: 4.287%-5.297%

Loan Type and Term: Home Equity Fixed Rate Loan 15 Year
Interest Rate: 4.750%-5.750%
APR*: 4.779%-5.787%
Next Steps: Apply Now

Loan Type and Term: Home Equity Line of Credit
Interest Rate: 6.750%-7.750%
APR*: 6.750%-7.750%

Learn More About Mortgage Loans

Mortgage Refinance Rates

Refinancing your mortgage through Partners Financial FCU gives you a chance to change your loan term or loan type and get a better payment for your current financial situation. Plus, you might qualify for a lower mortgage rate!

Learn More About Refinance Loans and See Rates

Richmond Mortgage Rates FAQs

 

What factors impact my mortgage loan rates?

Mortgage loan rates are typically affected by:

  • Credit score
  • Type of home loan
  • Loan term
  • Loan repayment history

For more details about how credit works, you can reach out to your nearest Partners Financial FCU branch.

How do I get pre-approved for a mortgage loan?

You can apply to get pre-approved for your Partners Financial FCU mortgage loan online, in-person, and on the phone. Our Mortgage Loan Specialist will review your information and quickly provide you with an answer.

Pre-approval is a great step before you choose a Realtor and start looking for your home.

Can I see my estimated monthly mortgage payment?

Yes, you can see what payment you might get for different loan amounts by using Partners Financial FCU’s loan calculator resource. Just enter your information to see how your loan term and mortgage rate can impact your payment.

Have a Stress-free Homebuying Experience With Partners Financial

House hunting in a competitive market can be challenging but the home buying process will be that much easier once you choose the best home loan for you and secure a great rate. Get affordable and competitive mortgage loan rates at Partners Financial FCU today.

Contact Us


Mortgage Loans

*APR = Annual Percentage Rate. Rates listed above for credit scores 740 and higher. Rates listed are for a minimum loan amount of $100,000 and maximum loan amount of $548,250. Minimum credit score to qualify is 670. Maximum Loan-To-Value 80%. Limited time offer subject to end at any time without notice. Available only for primary residences in VA and NC. Contact one of our mortgage specialists for a personalized rate and closing cost estimate.

Home Equity Loans

*APR = Annual Percentage Rate. Maximum loan/value ratio for fixed-rate loan is 90%. Maximum loan amount is $100,000, minimum loan amount is $25,000. Appraisals required for all transactions. Terms and loan amount are based on member’s overall financial profile, collateral loan/value ratio and credit history. Application, appraisal, and other fees may apply. Other restrictions may apply. Please consult with our mortgage loan officer for full details.

Home Equity Lines of Credit

*APR = Annual Percentage Rate. Variable rate Line of Credit APR starts at current Prime Rate plus 0.00% margin, with minimum credit score of 720, maximum loan/value ratio is 95%. Variable monthly rate to change on first day of month following Prime Rate change. 15-year term with 10-year draw period for equity lines. Maximum loan/ value ratio for fixed-rate loan is 70%. Maximum Loan or Line is $100,000. Appraisals required for all transactions. Terms and loan amount are based on member’s overall financial profile, collateral loan/value ratio and credit history. Application, appraisal, and other fees may apply. Other restrictions may apply. Please consult with our mortgage loan officer for full details.

NMLS #460266

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A $15. Convenience fee will be automatically added to your payment amount. Your maximum total payment amount (including the $15 convenience fee) cannot exceed $800. Payments initiated and approved by 3:00pm will be applied to your loan on the same business day. Payments initiated and approved after 3:00pm, or on a day that the credit union is closed (weekends and holidays), will be applied on the next business day. If you have a PFFCU debit card, please log into home banking to make your loan payment.

Please select OK to confirm and continue to the payment form.

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Excludes mortgages and home equity lines of credit. A $25 fee is due at set-up for each loan. Loan must have been open for at least 6 months. Past due accounts do not qualify. One skip-a-pay allowed per calendar year (Jan-Dec).

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