Girl with Dog

Due to marketplace disruptions, some rate options and loan terms may be temporarily unavailable. Please contact a Northwest FCS Relationship Manager at 866-552-9172 to get the most up-to-date information about rate and term options.  

Interest Rate Options and Loan Terms

We offer our customers competitive interest rates with a variety of repayment options. Residential loan rates and terms vary by program. To learn more, or discuss current rates, please contact your local branch, submit your question or call 866-552-9172 during business hours.

Fixed-Rate Loan Terms

Lock in your rate for the life of your loan with a fixed interest rate.

  • 10-, 15-, 20- or 30-year fixed-rate terms are available, dependent upon loan type.
  • No prepayment fees.

 

Fixed-to-Adjustable Rate Loan Terms

Fixed-to-adjustable rate loans allow you to lock in low rates for a designated time period, then convert the loan to the current market rate following the initial term. Payments can be calculated for longer terms to reduce monthly payment amounts.

Fixed-to-adjustable rate options and loan terms

  • 7-year and 10-year fixed-to-adjustable interest rates
    • Loans convert to a variable interest rate following initial 7- or 10-year terms.

 

  • 15-year fixed-to-adjustable interest rates
    • Loans convert to a variable interest rate following initial 7- or 10-year terms.

Interest-only Payment Option

One-step Construction Loans provide a way to combine a land purchase and construction costs into one convenient loan. With this loan, you may be eligible to make interest-only payments during the designated construction period to free up cash flow for building costs.*

 Ready to Apply? Get Started

Questions

To learn more, please contact your local branch, submit your question or call 866-552-9172 during business hours.

*Available rates and loan terms vary by program. Contact your local Northwest FCS branch, or call 866-552-9172 during business hours, to learn more. 

 

Equal Housing Lender   All loan actions are subject to program availability. Certain conditions and restrictions may apply.