CONVENTIONAL 7/1 ARM 5 .75 5.90% APR
CONVENTIONAL 5/1 ARM 5 .50 5.65% APR
LOAN TERM 30 YEARS
LOAN TERM 30 YEARS
LOAN AMOUNT $240,000
LOAN AMOUNT $240,000
GENERAL INFORMATION Information displayed is accurate as of July 1, 2025 and is subject to change without notice. Loan pricing can only be locked through a BHFCU mortgage representative. Other restrictions may apply. Due to regulations, certain products may not be available in all areas. The displayed Annual Percentage Rate (APR) reflects the interest rate and approximate cost of prepaid finance charges but does not include other closing costs or discount points. The approximate cost of prepaid finance charges does not constitute and is not a substitute for the Loan Estimate (LE). The actual fees, costs, and monthly payment on your specific loan transaction may vary. Stated rates are our lowest rate available for the term shown, assuming a 760 FICO score. Your loan’s interest rate will depend upon the specific characteristics of your loan and your credit profile up to the time of closing. Eligible property must be located within the Credit Union Trade Area and includes 1-4 Family Dwelling Units, Planned Unit Developments and Condominiums. The max conforming loan amount is $806,500 and the calculations provided assume an 80% loan to value. All properties must be Owner-Occupied Primary Residences. Manufactured homes are not eligible. Other rates, terms and programs are available. This is not a mortgage loan approval or commitment to lend. Call 605.718.1818 or 800.482.2428 for more information. Black Hills Federal Credit Union membership is required. ADJUSTABLE-RATE MORTGAGES (ARM) Interest rates and payments may increase after consummation. After the initial fixed-rate period, your interest rate can increase or decrease annually according to the market index. Any change may significantly affect your monthly payment. For conforming ARM interest rates at the time of adjustment, your new mortgage rate will be the Wall Street Journal’s published thirty-day average of the Secured Overnight Financing Rate (SOFR) plus a margin of 2.25%, rounded to the nearest .125%. This loan is subject to annual and lifetime adjustment caps. OFFER FOR A LIMITED TIME Applications taken between July 1, 2025-August 29, 2025. Loan must close within 60 days of signed application date.
LIFESTYLE ISSUE august 2025 APPLY TODAY bhfcu.com/ARM
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