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.
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
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.
All loan actions are subject to program availability. Certain conditions and restrictions may apply. NMLS #543727