Fixed Rate Mortgage

All loans are contingent on approval, rates, terms, conditions, and are subject to change at any time and without notice. Your rate is not final until you have received a Locked Commitment (30, 45, or 60) day commitments available). APR* examples above are based on an owner-occupied, detached single family residence, Purchase or Limited Cash Out refinance, loan amount of $450,000 at a maximum 60% Loan to Value (LTV), minimum Credit Score of 720 and 30-day lock commitment. Disclosed APR* includes 15 days of estimated prepaid interest. Final rate will depend on factors including market conditions, specific characteristics of the loan transaction, and Private Mortgage Insurance for loans over 80% LTV. For 30-Year loans less than $275,000, 20-year less than $176,000, and 15-year less than $201,000, please contact your Loan Officer for the discounted interest rates and APRs. For purchases, the minimum down payment is 3.0% of purchase price; for refinances, maximum LTV is 97%. Limited Cash Out is receiving cash back in an amount that is not more than the lesser of 2% of the new refinance loan amount or $2,000.

*APR – Annual Percentage Rate The APR is a shopping tool that denotes the true cost of credit expressed as a yearly rate. It considers the interest rate as well as other charges, such as points, prepaid interest and certain closing fees. One point is 1% of the mortgage amount (for example, $1,000 on a $100,000 loan) and adjusts the interest rate on your note.

All loans are contingent on approval, rates, terms, conditions, and are subject to change at any time and without notice. Your rate is not final until you have received a Locked Commitment (30, 45, or 60) day commitments available). APR* examples above are based on an owner-occupied, detached single family residence, Purchase or Limited Cash Out refinance, loan amount of $450,000 at a maximum 60% Loan to Value (LTV), minimum Credit Score of 720 and 30-day lock commitment. Disclosed APR* includes 15 days of estimated prepaid interest. Final rate will depend on factors including market conditions, specific characteristics of the loan transaction, and Private Mortgage Insurance for loans over 80% LTV. For 30-Year loans less than $275,000, 20-year less than $176,000, and 15-year less than $201,000, please contact your Loan Officer for the discounted interest rates and APRs. For purchases, the minimum down payment is 3.0% of purchase price; for refinances, maximum LTV is 97%. Limited Cash Out is receiving cash back in an amount that is not more than the lesser of 2% of the new refinance loan amount or $2,000.

*APR – Annual Percentage Rate The APR is a shopping tool that denotes the true cost of credit expressed as a yearly rate. It considers the interest rate as well as other charges, such as points, prepaid interest and certain closing fees. One point is 1% of the mortgage amount (for example, $1,000 on a $100,000 loan) and adjusts the interest rate on your note.

Annual Percentage Rates and terms subject to change without notice. All loans are subject to credit, income, and collateral approval.
Combined Loan to value (CLTV) – 1st mortgage balance and new HELOC loan amount Prime Rate is based on that published by the Wall Street Journal.
Alternative rates and terms apply depending on applicant’s credit and collateral qualifications.

* APR = Annual Percentage Rate. The Promotional APR will be 7% for three months. After the promotional period your rate will be variable, as low as 8.00% and subject to change monthly. The APR is based on an index (The Wall Street Journal, Prime Rate, which is 7% as of 10/29/2025), plus a margin. Not all members will qualify for the preferred rate. Current HELOC Rates are available online at https://www.firstent.org/rates/personal/#home. Margin, rate and payment amount may vary based on property value, loan amount, creditworthiness and other factors. Credit and collateral are subject to approval. Rates, terms and conditions are subject to change without notice. (If we talk about tax deductibility) Please consult your tax advisor regarding interest deductibility. Terms and conditions apply. Direct Deposit and autopay is not required for this 7% promotion. Multiple promotions cannot be combined during promotional period. If you would like relationship pricing discount of .25% off your margin after 3 month promotional period, you must maintain at least $1,000 in qualifying monthly direct deposits into your Value Checking account to be eligible for the listed benefits. Qualifying direct deposits are defined as an electronic transfer (such as Zelle, Venmo, or ACH transfers) of at least $1,000.00 USD or more. A grace period of up to 90 days will be provided to accommodate gaps in employment. Should the grace period lapse, and you no longer meet the requirement, you will not be eligible for the listed benefits again. Home Equity Lines of Credit (HELOCs) are limited to one initial grace period of 90 days from taking out the loan to meet the direct deposit requirements. Advantage, Youth, and Business Checking accounts do not qualify. ATM fee rebates will be deposited into your Value Checking account at the end of each month based upon the amount of non-First Entertainment ATM surcharge-fees charged to the account. The maximum total ATM fee rebate is $15 per account, regardless of the number of joint owners or debit cards issued. Value Checking account must meet the direct deposit requirements stated above within 90 days of funding the loan to qualify for the discount. Should you not meet this requirement, you will not be eligible for the listed benefit during the life of your loan, and your rate will revert to the fully indexed rate of the loan. Offer is valid on new HELOC loans applications, between August 15, 2025 through December 31, 2025 only. Existing First Entertainment HELOC loans funded prior to August 15, 2025 do not qualify for this promotion.

All loans are contingent on approval, rates, terms, conditions, and are subject to change at any time and without notice. Your rate is not final until you have received a 45 day Locked Commitment. APR examples above are based on an owner-occupied, detached single family residence, loan amount of $200,000 at a maximum 60% Loan to Value (LTV), minimum Credit Score of 720 and 45-day lock commitment. Disclosed APR includes 15 days of estimated prepaid interest.

*APR – Annual Percentage Rate- The APR is a shopping tool that denotes the true cost of credit expressed as a yearly rate. It considers the interest rate as well as other charges, such as points, prepaid interest and certain closing fees.

** Combined Loan to value (CLTV) All second liens greater than 80% are limited to Owner Occupied transactions.