¹ Subject to credit approval.  Escrows for real estate taxes and homeowners insurance are required.  Private Mortgage Insurance is required.  Home 100 is a purchased product only and not available for refinance transactions.  Terms available for the Home 100 are 30 Year Fixed and 7/1 ARM.

² Subject to credit approval.  Escrows for real estate taxes and homeowners insurance are required.  Private Mortgage Insurance is required.  Home 97 is a purchase product only and not available for refinance transactions.  Terms available for the Home 97 are 30 Year Fixed, and 7/1 ARM.

³Certain restrictions do apply. Subject to credit approval. Homebuyers at or below median income levels, exceptions for underserved areas. Family income limits of 100% of FNMA/FHLMC HUD median income. Minimum of one consumer credit counseling consultation required to underscore member's financial preparedness. Renewal rate (4th year) based upon one-year Treasury constant maturity, plus a margin added of 2.75%. This is subject 1% maximum annual cap and a 5% lifetime cap from the original rate at inception of the loan. The initial 3-Year rate will be set weekly by NECU, reflecting a discount from the national average of 3/1 ARM programs.