*APR = Annual Percentage Rate is variable and subject to change. This is Kinecta’s most recent published rate.
Kinecta mortgage loans are offered under Nationwide Multistate Licensing System (NMLS) #407870. Equal Housing Lender.
Membership requirements apply. Refer to the Agreements & Disclosure booklet for terms and conditions applicable to specific accounts.
Fees, costs and monthly payment on your specific loan transaction may vary and could include additional fees and costs. For example, loans with LTVs in excess of 80% typically require mortgage insurance which will increase both your APR and monthly payment.
1Construction to Permanent Loans. Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors and are subject to change. Full income and asset documentation are required. Loans are secured by a lien against the property. Interest rates, points and Annual Percentage Rates (APRs) may differ by product and by State and be adjusted based upon your credit history, loan-to-value (LTV), occupancy, property type, loan amount and loan purpose. Kinecta mortgage loans may not be available in all areas.
2HomeAdvantage. Program made available to you through a relationship between Kinecta and CU Realty Services. Cash Rewards are awarded by CU Realty Services to buyers and sellers who select and use a real estate agent within the HomeAdvantage network.
3Househappy and Househappy Home Services. Househappy is not affiliated with Kinecta Federal Credit Union. Kinecta will fully cover the cost of the HouseHappy service (valued at $99.00) for Kinecta members.
4Insurance products are offered through Kinecta Financial & Insurance Services, LLC., subsidiary of Kinecta Federal Credit Union. California Insurance License #0E24631. Insurance products: 1) are not NCUSIF insured; 2) are not obligations of or guaranteed by the Credit Union or any affiliated entities; 3) involve investment risk, including possible loss of value. Insurance products not available in all states.