KERN FEDERAL CREDIT UNION
 Now serving ALL of Kern County

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Kern Federal Credit Union offers a variety of loan programs to meet your individual needs.  The programs listed are just a sampling of the programs we offer.  Please call Nance McKinley at(661) 632-1672 or Charlotte Popejoy at (661) 632-1638 to discuss your new home loan today.  Our rates and fees are subject to change without notice.
 
30 Year Fixed Rate
20 Year Fixed Rate
15 Year Fixed Rate
10 Year Fixed Rate
FHA Fixed Rate
VA Fixed Rate

Rates last updated on Tuesday, April 24, 2018


Maximum Amount: $453,100

30 Year Fixed Rate

Fully amortized, no pre-payment penalty.

Term: 30 years   Maximum Amount: $453,100
RatesAPRPoints
4.625%4.827%1%

20 Year Fixed Rate

Fully amortized, no pre-payment penalty

Term: 20 years   Maximum Amount: $453,100
RatesAPRPoints
4.5%4.776%1%

15 Year Fixed Rate

Fully amortized, no pre-payment penalty.

Term: 15 years   Maximum Amount: $453,100
RatesAPRPoints
4.375%4.726%1%

10 Year Fixed Rate

Fully amortized, no pre-payment penalty.

Term: 10 years   Maximum Amount: $453,100
RatesAPRPoints
4.125%4.627%1%

FHA Fixed Rate
Federal Housing Administration (FHA) loans provide fixed-rate financing with low down payment options as low as 3.5%

Term: 30 years   Maximum Amount: $294,515
RatesAPRPoints
4.25%4.448%1%

VA Fixed Rate
Department of Veterans Affairs (VA) loans provide fixed-rate financing for veterans and other borrowers who meet the eligibility requirements of the VA program. Offer low and no down payment options, and do not require monthly mortgage insurance.

Term: 30 years   Maximum Amount: $453,100
RatesAPRPoints
4.375%4.574%1%



Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $424,100 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $453,100 with closing costs of $5,956. Jumbo Loans (whose maximum loan amount exceed $424,100 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $10,000. Your actual APR may be different depending upon these factors.