The rates quoted here are subject to change without notice. *** Interest rates can only be locked in through direct contact with a mortgage loan officer upon submission of a completed mortgage application on a specific property. Interest rates on mortgage applications submitted through our web site, mailed in, or dropped off at a branch office will not be considered as locked in until a mortgage loan officer directly receives the lock in request and confirms the terms of the rate lock agreement. Some fixed rate loans require initial underwriting approval prior to interest rate lock.

Visit our Online Mortgage Center for comprehensive mortgage lending information or to submit your first mortgage application online. To apply for a second mortgage or a home equity loan, click here.

Please Note: AllSouth Federal Credit Union only offers mortgages on real estate within the State of South Carolina.

FIRST MORTGAGES:Quoted loan rates and fees may be subject to change based on borrower(s) qualifications, loan to value, and credit score.(All First Mortgages have a 1% origination fee except our fixed period adjustable rate products which have no Origination Fee (limited time) - Discount Points may apply on cash out refinances over 60% loan to value.

• Fixed Period Adjustable Rate Mortgages 3/1 ARM - 5.375%; 5/1 ARM- 5.750%; 7/1 ARM -6.000% ** Now offering up to 100% financing and Zero Origination Fee on all ARM products (for limited time)
  
  
• SC State Housing Authority 6.250% (Single Parent Program 5.750%) - $3000 Down Payment Assistance Available
  
  
• Traditional First Mortgage: 15 Years-5.875%;- 30 Years-6.375%; 40 Years-6.500% (up to 95% financing)
  
  
• My Community Mortgage: 30 Years- 6.875%; 40 Years 7.125%(up to 97% financing)
  
  
• Flexible 97: 15 Years-6.000%; 30 Years- 6.500%; 40 Years-6.750%(up to 97% financing)
  
  
• Flexible 100%: Loan program no longer available
  
  
• VA Mortgage: 15 Years- 6.500%; 30 Years- 6.500%
  
  
• Investment/Rental Property:6.875% (12 year max. - up to 80% financing)
  
  
• Construction Loan (Interest Only Payments):8.000% (Prime plus 1.50% with 8% floor limit; 80% max financing)
  
  
• Jumbo Loans (above $417,000 - 95% max): 15 Years- 6.875%; 30 Years-7.375%.
  
  
• Unimproved Property: 8.500% (12 year max. - up to 80% financing)
  
  
• Modular Homes and Permanent Doublewides with Land: 8.000% (12 year max. - up to 80% financing)
  
  
• Non-Permanent Doublewides and Singlewides with Land: 9.500% (12 year max. - up to 80% financing)

EXPRESS HOME EQUITY LINE: 2.900% (6 month introductory rate *** ENDS 7/31/08 *** - Prime + 0 afterwards - Prime currently 5.000% - Subject to change monthly)

FIXED RATE SECOND MORTGAGE: 6.000% (12 year max.)