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Low-Rate 30 Year Fixed Rate Mortgage

  • Lower Payment
  • Payment Predictability
  • Rate Lock

With a 30 Year Fixed Rate Mortgage, your repayment period is longer, which means you get a lower, affordable monthly payment. You also will have peace of mind knowing that your monthly payment will remain consistent for the entire life of the loan, and your rate will never change.

We also offer a No Points, No Closing Costs option if you would like to pay less at closing!

 Costs that you will save on under this program include:

  • Credit report
  • Appraisal
  • Flood certificate
  • Tax service
  • Lender’s title insurance
  • Most recording and legal fees associated with the closing1

Click below for our No Points, No Closing Costs rates.


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*APR= Annual Percentage Rate. Rates subject to chnage at any time. Fixed Rate Mortgages and their APRs are based on a $100,000 loan with a 20% down payment for the applicable term. For 360 monthly payments at a fixed rate of 3.250%, the repayment amount would be $4.35 per $1,000 borrowed. Monthly payment shown does not include amounts for taxes and insurance premiums and, if applicable, the actual payment obligations will be greater.

Offered Rates and Terms are subject to change without notice. Offer available on owner occupied, 1-4 family residences only. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and insurance premiums if applicable. Property insurance and flood insurance, if applicable, are required. Membership eligibility requirements apply. Other restrictions may apply.

1The No Point No Closing Cost Mortgage removes the need to pay the standard closing costs associated with a mortgage closing, whether it is a purchase or refinance (minimum loan amount $150,000 required). Standard closing costs include the cost of the credit report, appraisal, flood certificate, tax service, lender’s title insurance, deed prepared by a Sharon Credit Union attorney (for a purchase), recording and most legal fees associated with the closing. Borrower is responsible for certain closing costs, if applicable, such as prepaid interest, initial deposits for escrow, private mortgage insurance, trust review, owner’s title insurance, power of attorney, discharge fees (if greater than 1), subordination and homestead fees. First Time Home Buyer credit not applicable for this product. An upfront credit report and appraisal fee is required and will be credited at the closing. If an application is denied or withdrawn, the fees are not refundable.

For more information please contact our Mortgage Consultants or call the call center at 781-784-7725 or toll free at 1-877-661-3300.

Sharon Credit Union Corporate Office | 30 Pond Street, Sharon MA, 02067