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Mortgage Rates

Below are some of the loan programs SEFCU Mortgage Services offers. To learn more about these programs and many others, call us at 800-444-6313.

Annual Percentage Rate (APR) calculations shown are based on the following terms:

*Conventional loan of $160,000 based on a value of $200,000 for a primary residence and refinance transaction of an existing single family detached home in the City of Albany, Albany County, New York for an interest rate lock period of 60 days and includes tax and homeowner's insurance escrows.

*The actual APR and fees will be based on individual loan features and creditworthiness.

 

Purchase Loan Pricing Advantage: To learn more about a discounted fixed rate for your purchase loan mortgage, please call us at 800-444-6313.


Program Name            

Rate         Points      APR


*30-Yr Fixed-Rate  

(Conforming)          

2.750%     0.50%     2.886%


*30-Yr Fixed-Rate  

(Conforming)           

2.875%     0.00%     2.994%


*20-Yr Fixed-Rate 

(Conforming) 

2.625%      0.50%     2.819%


*15-Yr Fixed-Rate 

(Conforming)            

2.250%     0.00%     2.414%


*10/1 ARM

(Conforming)                

2.750%     0.00%     3.609%


*5/1 ARM

(Conforming)                  

2.625%     0.00%     4.004%


FHA                      

2.750%    0.00%     4.284%


VA                         

2.750%    0.00%     3.584%


USDA                    

2.875%     0.00%     3.586%


*Rates are based on conforming limits and are subject to change without notice. Rates last updated on 1/27/2021.

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Copyright © 2018 SEFCU Mortgage Services
SEFCU Mortgage Services is a wholly owned subsidiary of SEFCU. Licensed Mortgage Banker - NYS Department of Financial Services
NMLS Company ID - 309847

Mortgage Servicing Questions Only

 

Mortgage Loan Servicing Help Center

Main Number 518-783-1234

 

Existing Mortgage Servicing Questions 518-464-5378

General Mortgage Servicing Inquiries via email:

smsloanservicing@sefcu.com

 

Existing Escrow Account 518-783-1234 ext. 4006

General Escrow inquiries via email:

realestateescrow@sefcu.com

 

Mon - Fri 8:00am - 5:00pm EST

Copyright © 2018 SEFCU Mortgage Services
SEFCU Mortgage Services is a wholly owned subsidiary of SEFCU. Licensed Mortgage Banker - NYS Department of Financial Services
NMLS Company ID - 309847