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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 rate is subject to change on a regular frequency, typically monthly.

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 rate is subject to change on a regular frequency, typically monthly.

Variable Rates

  • Interest rate is variable for the life of the loan.
  • Variable rate loans are fully prepayable, without fee.
  • Rate is subject to change on a regular frequency, typically monthly.