The credit union doesn’t disclose its other loan fees online, however you’ll need to talk to a loan officer to learn what might apply to your mortgage. The credit union also offers a float-down option that costs 0.375 percent of your loan principal for each 0.125 percent cut to your rate. If you need to extend the lock beyond that, you’ll be subject to a fee equal to 0.125 percent of the loan amount for each week of the extension, up to four weeks. You can lock your rate for free for 60 days. The rates tend to be lower than Bankrate’s national average (as of this review).
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