Annual Percentage Rate (APR) is calculated based on a $800,000 loan amount and includes an Origination fee of $635.00. Minimum loan amount of $417,000 and maximum loan amount of $2,000,000. Rates assume that there are no other liens against the property, that the property will be owner occupied, and that the loan amount does not exceed 95% of the property’s appraised value. Advertised rates require the purchase of points to obtain the reduced rate; no points options are also available, at a higher interest rate. Loans in excess of 80% Loan to Value (LTV) are subject to private mortgage insurance (PMI). Payment examples include principal and interest but do not include any taxes or insurance premiums; your actual payment may be greater. Escrow account may be required. Rates, terms and conditions vary based on creditworthiness and qualifications and are subject to change. Subject to credit and property approval. Additional restrictions may apply. Consult your tax advisor regarding the deductibility of interest. You must be a member of Andrews Federal Credit Union to obtain any home loan from us. For complete details about our mortgage rates and to learn about product and payment options, click here.