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Home Lending Center

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Mortgage Rates

Rates Effective:

USALLIANCE Financial is not responsible for any rates that may change prior to an executed rate lock commitment letter. Click to view our Rate Lock Policy. Please note: you cannot lock in a rate until you have a signed contract on a property or are refinancing.

The Annual Percentage Rate (APR), listed below, is based upon loan to values of 80% or less. Loan to values greater than 80% will require private mortgage insurance and your APR will be higher. The APR is estimated based on loan size of $100,000 for conforming loans and $510,400 for jumbo loans. APR may be higher for cash-out refinance applications.  Interest rates and loan programs shown are subject to change without notice and assume excellent credit. A consumer credit report will be obtained in connection with an application. The name and address of the agency and/or agencies providing the credit report will be furnished upon request. A consumer credit report may also be requested in connection with any update, renewal or extension of the credit for which application is made. 

Conforming Loans

Loan amounts up to $715,000* | Max loan amount listed for is single family home or condo. Max loan amount for 2-family home is $916,000; 3-family is $1,107,000; 4-family is $1,376,000.

Fixed Rate Interest Rate APR Points
30 Year Fixed 6.500% 6.625% 0.00
20 Year Fixed 6.250% 6.413% 0.00
15 Year Fixed 6.125% 6.249% 0.00
10 Year Fixed 6.125% 6.301% 0.00
Adjustable Rate Mortgages (ARM) Interest Rate APR Points
5 Year Adjustable 5.875% 5.956% 0.00
7 Year Adjustable 6.000% 6.082% 0.00
10 Year Adjustable 6.125% 6.208% 0.00
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Jumbo Loans

Loan amounts from $715,001* - $1,500,000 | Minimum Loan amount listed for is single family home or condo. Minimum loan amount for 2-family home is $916,001; 3-family is $1,107,000; 4-family is $1,376,001.
Loan amounts over $1,500,000 are available | Please call for rate options.

Fixed Rate Interest Rate APR Points
30 Year Fixed 6.750% 6.764% 0.00
20 Year Fixed 6.500% 6.518% 0.00
15 Year Fixed 6.250% 6.273% 0.00
10 Year Fixed 6.250% 6.282% 0.00
Adjustable Rate Mortgage (ARM) Interest Rate APR Points
5 Year Adjustable 6.000% 6.013% 0.00
7 Year Adjustable 6.125% 6.138% 0.00
10 Year Adjustable 6.250% 6.263% 0.00

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USALLIANCE Financial provides its mortgage lending services to 1-4 family homes or condos. If your home is a Condo, you will need to have the Condo Questionnaire completed by your homeowners association before we can order any appraisal.


For Purchase or Refinance Mortgage Transactions – in all States EXCEPT: AK, HI, TX.
For Home Equity Transactions  in all States EXCEPT: AK, HI, SC, TX.

We do not offer mortgages on land, mobile homes, cooperatives, investment properties, properties held in a revocable trust, held in a realty trust or held in a life estate, properties that are in a leasehold (not fee simple), reverse mortgages, FHA, VA and applications with a non-occupant co-borrower.  You must become a member of the Credit Union prior to the loan closing date. Membership is not required to apply for a mortgage.

Properties in the following states are subject to Mortgage and/or Transfer Taxes: AL, AR, CA, CO, DE, FL, GA, HI, IL, LA, ME, MD, NH, NJ, NY, OR, PA, TN, VT, and VA. 

Adjustable Rate Mortgages (ARM)
Features a variable interest rate, which is periodically adjusted, based on the change in a financial index such as the Secured Overnight Financing Rate (SOFR), plus a margin that is established at origination. Interest rate changes are limited or capped at each adjustment and for the life of the loan. ARMs may provide the security, flexibility and affordability prospective home-buyers desire. These loans are especially attractive to home-buyers who plan to trade up in future years. Generally, initial interest rates are lower than fixed rate mortgages.

USALLIANCE Financial currently offers 5 Year, 7 Year, and 10 Year adjustable rate mortgages for conforming and jumbo loan amounts. Each ARM product has their own Index, Margin and Caps. The initial interest rate is fixed for a certain period, for example: with a 5 year ARM loan, the initial rate is fixed for the first five years. At month 61, the interest rate can increase, or decrease, to a maximum of 2% above, or below, the initial rate according to the index plus the margin. Thereafter, the interest rate will be adjusted every 6 months, capped at 1% above, or below, the previous rate until it has reached the lifetime cap of 5% above, or below, the initial interest rate. However, the rate will never be lower than the margin.

Jumbo Mortgages
These applications with more than $150,000 cash-out and an LTV over 70% will require Senior Management approval and may require an add-on to the rate.


Home Equity Line of Credit

Type Interest Rate and APR (as low as)
HELOC - Primary Residence - 80% CLTV PRIME + 0.500%*
HELOC - Primary Residence - 85% CLTV PRIME + 1.000%*
HELOC - Primary Residence - 90% CLTV PRIME + 2.000%*
HELOC - Primary Residence - 90% HCLTV (10% LTV cap) PRIME + 1.875%*
HELOC - Vacation Home - 80% CLTV PRIME + 1.500%*
HELOC - Residential Investment Property - 80% CLTV PRIME + 3.500%*
*Rates are based on the term of the loan and set by the Asset/Liability Committee of USALLIANCE Financial
CLTV (Combined Loan To Value Ratio) is the ratio of all loans secured by a property to the property's value.
All HELOC rates are Variable.

Home Equity Line of Credit
Variable annual percentage rate (APR) is calculated based on the Prime Rate as posted in The Wall Street Journal. Prime Rate is published by the Wall Street Journal (WSJ). The current WSJ Prime Rate is 7.00% as of . HELOC is a variable rate product with a Max Rate of 18.000% and a Minimum Rate of 4.000%. Margins are set based on the risk associated with the loan and an individual’s or joint credit history. Minimum line of credit is $25,000. USALLIANCE Home Equity Line of Credit (HELOC) is available for one to four family structures including second homes and condominium units, excluding co-ops and investment properties. Finance charges begin to accrue from the day of the initial advance. Initial draw period is for ten (10) years. Initial draw must be a minimum of $25,000 and a minimum of $500 for additional draws. Minimum payments are interest only during the draw period, up to twenty (20) years of principal plus interest thereafter. Homeowner’s insurance is required; flood insurance is required where applicable. Consult a tax advisor regarding the deductibility of interest. Rates are subject to change. For Home Equity transactions, USALLIANCE Financial lends in all States EXCEPT the following: AK, HI, and TX. USALLIANCE Financial cannot grant home equities on cooperatives, properties held in revocable, irrevocable or realty trusts, held in a life estate or held in a leasehold.
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Home Equity Loan

Type Interest Rate (as low as) APR
HELOAN - Primary Residence - 80% CLTV - 5 Year 7.000% 7.174%
HELOAN - Primary Residence - 80% CLTV - 10 Year 7.750% 7.845%
HELOAN - Primary Residence - 80% CLTV - 15 Year 8.875% 8.945%
HELOAN - Primary Residence - 80% CLTV - 20 Year 8.875% 8.933%
HELOAN - Primary Residence - 90% CLTV - 5 Year 7.625% 7.800%
HELOAN - Primary Residence - 90% CLTV - 10 Year 8.375% 8.471%
HELOAN - Primary Residence - 90% CLTV - 15 Year 9.500% 9.572%
HELOAN - Primary Residence - 90% CLTV - 20 Year 9.500% 9.559%

*Rates are based on the terms of the loan and set by the Asset/Liability Committee of USALLIANCE Financial
CLTV (Combined Loan To Value Ratio) is the ratio of all loans secured by a property to the property's value.
All HELOAN rates are Fixed. Second/Vacation Homes are considered, and subject to an additional add-on of 1% to the Interest Rate. Additional conditions may apply.
Home Equity Loans are required to be in a second lien position. If looking for a 1st lien product, please reference our Conforming, Jumbo, or Home Equity Line of Credit products.

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How can we help you?

Buying a home or borrowing on your equity is a major life decision. We’re sure you have questions. And our knowledgeable home lending specialists can help answer them. Please give us a call or schedule an appointment today.

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