Rates and Terms – Annual Percentage Rates (APRs) and loan terms are subject to credit approval and may vary based on creditworthiness, loan amount, and loan-to-value ratio. Rates are subject to change without notice. Loan approval is based on underwriting guidelines. Adjustable-Rate Mortgages (ARMs) offer an initial fixed rate for a specified period (3, 5, 7, or 10 years) and adjust annually thereafter based on an index plus a margin, subject to periodic and lifetime caps.

Home Equity Lines of Credit (HELOCs) – HELOCs are variable-rate loans. Rates may increase after loan consummation. Consult a tax advisor regarding the deductibility of interest. Home Equity Line of Credit products are available only on owner-occupied properties located in CA, MD, NV, NH, VA, MA and ME.

$2,000 Off Logix Mortgage Loan Closing Costs Offer – We will reduce specific mortgage loan fees up to $2,000 on new Logix 1st trust deed mortgage loans for 1–4-unit residential property purchases. This Offer cannot be applied to other Logix mortgage loan fees or costs, or to any other Logix product, service, fee or charge. This Offer is not available on Logix no-cost loans, subordinate-lien financing, or Logix home equity loans and lines of credit. This is a limited time offer and may be discontinued at any time without notice.

10-Year Fixed Rate Mortgage with No Closing Costs – No closing costs means that Logix will pay various costs relating to your loan origination and settlement, such as application, credit report, lender's title insurance, and appraisal fees. Costs such as per diem interest, interest, taxes, owner's title, and hazard, homeowner's and private mortgage insurance, are not included and are the responsibility of the borrower. As a condition of the "No Cost" loan, if you pay off your loan within the first 36 months you will be required to reimburse Logix for those costs it paid in connection with the origination and settlement of the loan.

Logix 25-Day Loan Closing Guarantee – For 1st mortgage, purchases only, Logix guarantees to close your loan in 25 calendar days unless prohibited by Federal regulation, and provided Logix has received your (1) completed loan application; (2) all requested documents, (3) you have electronically consented @ Logixmortgage.com online mortgage loan application portal at the time of application through loan closing to receive all loan documents and disclosures electronically (Upon request, paper copies available at no additional charge.), and (4) all pre-conditions have been satisfied at least 5 calendar days prior to the scheduled closing date. If all the required conditions are met and your loan fails to close on time due to a delay by Logix, you will receive a credit towards closing costs up to $2,000 at loan closing. Logix 25-Day Loan Closing Guarantee may not be combined with other offers, including our $500 Satisfaction Guarantee. Not available on “no cost” loans.

$500 Satisfaction Guarantee – We’ll do it right or we’ll credit $500 to your savings account. Satisfaction Guarantee applies to 1st trust deed mortgage loans and must be requested within 30 days of loan funding.

3% down – (97% financing) available on owner-occupied primary residence loan amounts of up to $806,500 on approved credit. 3% down payment must be from borrower's own source of funds and does not include non-lender paid fees, impounds, or reserves. Other financing options are available. Private Mortgage Insurance (PMI) is required.

HomeReady Mortgage Loan – Subject to underwriting guidelines. Borrower must meet the lower income qualifications, not own other properties and complete a pre-purchase homebuyer education and counseling course. Call (800) 328-5328 for complete program details.

Logix mortgage loans are available in the following states: AZ, CA, DC, ME, MD, MA, NH, NV, and VA. Logix Home Equity Loans and Lines are available in the following states: CA, MD, NV, NH, VA, MA and ME. Logix membership is required. Logix Smarter Banking is a registered trademark of Logix Federal Credit Union.