Internet Banking Enrollment
Enrolling in Internet Banking is easy - here's how:
- In the Account Number box, enter your Savings Account Number (as shown on your member statement).
- In the Password box, enter your numeric HomeBranch Personal Identification Number.
If you do not know your HomeBranch Personal Identification Number or need assistance, please call 305-261-8328 from Miami-Dade County or 888-261-8328 from all other areas.
Rates
Mortgages
| Term | Rate% | Points* | APR** (Annual Percentage Rate) | Approx Pmt per $1,000 of Mtg Amt | Max LTV*** | Property Type |
| 30-Year Fixed Rate | 4.750% | 0 | 4.881% | Single Family Residence detached - owner occupied only. Purchase Max LTV80% Refinance Cash Out Max LTV 70% | ||
| 15 Year Fixed | 4.250% | 0 | 4.471% | Single Family Residence detached - owner occupied only. Purchase Max LTV80% Refinance Cash Out Max LTV 70% |
Rates are subject to change without notice
Minimum Loan Amount: $ 30,000
Application Fee : $ 325.00 Non-Refundable
*Plus all customary processing and closing costs.
**APR = Annual Percentage Rate
APR Assumptions - The Annual Percentage Rate (APR) is calculated on a loan amount of $100,000 plus estimated prepaid fees, 80% LTV, and no PMI.
Your actual APR may vary based on your actual loan amount
Rate Lock Policy
Rate and closing costs will not be locked until a complete application has been received. Prior to lock-in rate, all supporting documentation must be provided including a full appraisal and application fee. Rate can be locked for 30 days.
Member's Cost
May include points, processing fee, title insurance, appraisal, credit report, recording fees, Flood Certification, tax service, etc.
Good Faith Estimate (GFE)
TFCU will send you a good faith estimate within 72 hours of receiving your application and fee.
***LTV=(Loan-To-Value Ratio) LTV values shown are for single family owner occupied residences only for purchase transactions.
***Refinance transactions may have different LTV requirements. Some restrictions apply on LTV limits on 1-4 family units
A JUMBO loan is calculated on a loan amount of $417,000.01 for the purchase or refinance of a single family residence. Your actual APR may vary based on your actual loan amount. Note: Rates may change on a daily basis If A-minus Level Fee applies - add .50 % to the rateRates and programs are subject to change at any time without notice
- If Subordinate Financing Applies Add .25% to Rate.
*** LTV Requirements:
- If Cash Out Refinance and LTV/CLTV/HTLTV is 70.01 to 80.0 Add .50% to Rate.
- If Cash Out Refinance and LTV/CLTV/HTLTV is 80.01 to 90.0 Add .75% to Rate.
