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APR = Annual Percentage Rate NMLS #800659

1. Rates stated are for Loan Amounts greater than $100,000, a 780 or higher credit score, an LTV of 80% or less, primary residence, and a 60-day rate lock. Rates are updated twice daily at approximately 9:30 a.m. and 2:00 p.m. Cash out Refinances are excluded and may be subject to higher rates. Second homes may be subject to higher rates. No rate lock deposit required for Conventional Fannie Mae Mortgage products.
2. You can reduce your rate by paying points or receive a lender credit toward closing costs by paying a higher rate. Points and lender credits are shown as a percentage of the loan amount. For example, Points of 0.10% of the loan amount means you will pay PFFCU at closing $100 for every $100,000 borrowed. A Lender Credit of -0.10% of the loan amount means PFFCU will apply $100 for every $100,000 borrowed to offset your closing costs.
3. Members are responsible for payment of all mortgage taxes in Florida, including, but not limited to the Documentary Stamp Tax.
4. Rates stated for jumbo mortgages are for loan amounts greater than $806,500, a 680 or higher credit score, and LTV of 80% or less.
5. Rates stated for Non-Owner Occupied are for Loan Amounts ≥ $100,000, a 780 or higher credit score, an LTV of 70% or less and a 60-day rate lock. Cash out refinances are excluded and may be subject to higher rates and lower LTV. A minimum 1-year verifiable prior experience owning real estate required for cash out loans and for purchase loans with an >75.01% LTV. Non-Owner Occupied loans not available in Florida.
6. The $395 cash is a rebate of processing fees and available for first mortgage purchase transactions only; refinances do not qualify. First mortgage purchase products are available for loans up to $1.1 million. This offer is not available on Non-Owner Occupied loans. The offer applies to loans with a completed application date between January 1, 2025 through December 31, 2025, and closing date on or before April 30, 2026. The $395 cash rebate on processing fees will be deposited in your PFFCU Savings Account (S0001) within 15 business days after PFFCU receives the Final Closing Disclosure. Offer is subject to credit approval and underwriting and is subject to change without notice. No other PFFCU Mortgage discounts apply. Contact us for details.
7. Applying for a pre-approval of mortgage financing requires a hard, tri-merge credit pull, which you authorize by completing the application and may impact your credit score. A pre-approval of mortgage financing is a credit only pre-approval. Final loan approval is subject to review and approval of all income, asset and property verification by underwriting.
8. Non-Owner Occupied loans not available in Florida.
9. The HomeAdvantage^® program is made available to you through a relationship between PFFCU and HomeAdvantage. Program Cash Rewards are awarded by HomeAdvantage to buyers and sellers who select and use a real estate agent in the HomeAdvantage network. Home buyers or sellers are not eligible for Program Cash Rewards if they use an agent outside this network. Using PFFCU for a mortgage is not a requirement to earn Program Cash Rewards. Program Cash Rewards amount is dependent on the commission paid to the agent. Program Cash Rewards is paid directly by HomeAdvantage and will be paid within 60 days of closing. PFFCU may have specific rules on how your Program Cash Reward will be paid out. Please consult with a PFFCU Mortgage Advisor to get details that may affect you. States and/or major metropolitan areas included in the HomeAdvantage program include: DE, PA, NJ, and FL. HomeAdvantage is a registered trademark of HomeAdvantage Partners, LLC. The Program Cash Rewards may be taxable. Police and Fire Federal Credit Union does not provide tax advice; please consult a tax advisor. Offer is subject to change without notice.
10. The TruStage^TM program is offered by TruStage Insurance Agency, LLC. And issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.