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Loan Rates | Savings Rates

Home Mortgage Loans

Inspire FCU offers solutions to all of your home buying needs. From first time home buyers, to those ready to downsize – Inspire has the perfect mortgage to meet your needs, while creating a great home buying experience.
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Fixed Rate Loans
VA Loans
Homeowners Insurance
Mortgage Calulators
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What Inspire Offers

Let Inspire help make your first purchase, or refinance your current mortgage – our expert inhouse mortgage specialist is always available to answer your important questions.

Are you ready to become a homeowner? Explore the process, costs, and benefits of home-ownership, the importance of credit, and the different types of mortgage options available to you.

Federal Housing Authority Loans (FHA)

An ideal option for the first-time home buyer. An FHA loan provides a lower down payment option, typically starting at 3.5% of the purchase price.
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Conventional Fixed Rate Loan

A perfect option for buyers who prefer a fixed mortgage payment, and ability to provide a down payment of at least 5% of the purchase price. Great option when refinancing an existing loan to a lower rate.

Adjustable Rate Mortgage Loan (ARM)

Terms of this loan are similar to the conventional loan, except your rate is not fixed and will adjust throughout the term of your loan depending on market rates.
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Veteran Affairs Loan VA

Fixed rate loan that is available to eligible members of the armed services. This loan is backed by the Department of Veteran Affairs. Available option for 100% financing, eliminating a down payment.


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Mortgage Calculators

Mortgage Calculator

Mortgage Calculator for Purchase Price and Down Payment

Should I Refinance Calculator

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*ARM=Adjustable-Rate Mortgage. Rates and terms will vary based on an applicant’s credit worthiness. All applicants are subject to approval. 5/5 ARM – rates are based on the 5-year Treasury Note rate plus a margin; loan interest rate will adjust one time each fifth year based on the index plus a margin. 7/1– rates are based on the 1-year Treasury Note rate plus a margin; rate will be fixed for 7 years and adjust annually after the initial fixed rate period based on the index plus a margin. 10/1– rates are based on the 1 year Treasury Note rate plus a margin; rate will be fixed for 10 years and adjust annually after the initial fixed rate period based on the index plus a margin. At the time of each adjustment the monthly payment obligations may change based on the adjusted interest rate. Adjustments will not exceed 2% of the then current interest rate and may not exceed 6% of the original interest rate through the term of the loan.

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