Northwest FCS offers a variety of real estate interest rate programs depending on the loan purpose, repayment terms, risk level and flexibility you need.

Fixed Rates

• Interest rate is fixed for the life of the loan
• Available for maturities of 5, 10, 15, 20 or 25 years
• Fixed-rate loans may be subject to prepayment fees

Fixed-to-Conversion Rates

• Interest rate is initially fixed for 3 to 15 years, then converts to a variable rate
• Interest rate can be re-fixed while on the variable rate for terms of 3 years, up to the remaining loan term
• Available for loan maturities of 10, 15, 20 or 25 years
• Loans may be subject to prepayment fees while on a fixed rate
• Loans are fully prepayable, without fee, once converted to the variable rate

Variable with Fixed Option

• Interest rate is initially a variable rate
• Interest rate can be fixed for terms of 3 years, up to the remaining loan term
• Available for loan maturities of 10, 15, 20 or 25 years
• Loans are fully prepayable, without fee, on both the variable and fixed rate

Variable Rates

• Variable rate options include a variable index administered by Northwest FCS plus margin, or a LIBOR-based variable index plus margin. Restrictions may apply.
• Variable rate loans are fully prepayable, without fee
• Rate can change monthly