Loans

Interest rate and annual percentage rate (APR) are subject to change without notice and may vary based on office location. Interest rate, APR and terms may vary based on the creditworthiness of the borrower, loan-to-value ratio, loan amount and loan purpose. Rates are based on owner occupancy. Subject to credit and property approval. Other rates and terms available. All APRs and estimated monthly payments based on a $175,000 loan amount, approximately 1 point, and a loan-to-value ratio of 80%. Payments do not include amounts for taxes and insurance premiums, actual obligation will be greater.

Interest rate and annual percentage rate (APR) are subject to change without notice and may vary based on office location. Interest rate, APR and terms may vary based on the creditworthiness of the borrower, loan-to-value ratio, loan amount and loan purpose. Rates are based on owner occupancy. Subject to credit and property approval. Other rates and terms available. All APRs and estimated monthly payments based on a $175,000 loan amount, approximately 1 point and a loan-to-value ratio of 80%. NOTICE REGARDING ADJUSTABLE RATE MORTGAGES: The interest rate is fixed for a set period of time, and adjusts periodically thereafter. At the end of the fixed rate period, the interest rate and monthly payments may increase based on the margin and current index. Estimated monthly payments are based on monthly principle and interest payments 1-60* and 1-72** and do not include taxes or insurance costs. Northwest ARMs are amortized over 30 years. Payments do not include amounts for taxes and insurance premiums, actual obligation will be greater.

Interest rate and Annual Percentage Rate (APR) are subject to change without notice and may vary based on office location. Interest rate, APR and terms may vary based on loan amount and loan purpose. Rates are based on owner occupancy and not manufactured home properties. Other rates and terms may be available. *FHA APRs and estimated monthly payments are based on a $175,000 loan amount and a loan-to-value ratio of 96.5%. **USDA and VA APRs and estimated monthly payments are based on a $175,000 loan amount and a loan-to-value ratio of 100%. FHA only: Must meet FHA criteria including but not limited to debt to income ratio, loan amount, mortgage insurance premiums and property valuation. Additional terms and conditions may apply. USDA only: Must meet USDA Rural Development criteria, including but not limited to income limits and property location. New or existing residential property must be used as a permanent residence. Additional terms and conditions may apply. VA Only: Applicant must be Active Military, a Veteran, Reservist/National Guard member, or select surviving spouses. The length of your service or service commitment and/or duty status may determine your eligibility. VA Loans are guaranteed by the Department of Veterans Affairs. A VA Funding Fee may be required. Additional terms and conditions may apply. Payments do not include amounts for taxes and insurance premiums, actual obligation will be greater.

*HOME EQUITY LOAN: Above examples are based on a $50,000 loan. Closed-end home equity loan Annual Percentage Rate (APR) as of 10/23/2024 applies to 60-month, 120-month, 180-month or 240-month term on a minimum of $25,000 in new borrowings with automatic transfer service from a Northwest checking account, 85% maximum loan-to-value, and 700 minimum FICO® score. Not for the purchase of homes. Valuation fee from $67-$675 will apply. Rates and terms may vary by property type, loan amount, LTV ratio and FICO® score. One or two-unit owner occupied primary residence properties only. Maximum loan amount is $750,000. A Title search is required on loans greater than $250,000. Title Insurance is required on loans greater than $500,000. Other rates and terms are available. Property insurance is required and flood insurance may be required. Offer may be changed or withdrawn at any time. Consult a tax advisor regarding deductibility of interest and charges. Examples: The monthly payment on a 6.625% APR 60-month loan of $25,000 with no debt protection is $490.62; the monthly payment on a 6.625% APR 120-month loan of $25,000 with no debt protection is $285.46; the monthly payment on a 7.125% APR 180-month loan of $25,000 with no debt protection is $226.22; the monthly payment on a 7.375% APR 240-month loan of $25,000 with no debt protection is $199.49. Payments do not include amounts for taxes and insurance premiums, actual obligation will be greater. Debt protection is optional. Listed APRs are not available for Choiceline fixed-rate lock-in. Subject to credit approval. See Northwest for details.

*HOME EQUITY LINE OF CREDIT: Minimum monthly payment quoted is for interest-only payments. Maximum APR is 16.00%, minimum APR is 2.50%. Offer allows an 85% maximum loan-to-value ratio and requires an automatic transfer service from a Northwest checking account. One or two-unit owner-occupied primary residence properties only. Not for home purchase. Valuation fee from $67 to $675 will apply and a $50 annual fee will be charged. Minimum monthly payment requirement is interest-only based on outstanding balance with a minimum payment of $50 or balance, whichever is less. If you cancel the line-of-credit before three (3) years, you will be required to reimburse Northwest for all third-party origination fees, less valuation fee, which typically range from $0 to $600 (higher in state of NY). Refinance of existing Choiceline will include early termination fees, if applicable. Refinance of new borrowing requirement based off existing Choiceline available limit. Customer may opt to lock-in balance at any time, up to three advances, at rates then in effect for fixed-rate home equity loans from one (1) to fifteen (15) years during the initial ten (10) year draw period. A $75 fee applies to each lock-in. Maximum loan amount is $750,000. “120 month draw period followed by 180 month fixed rate amortized repayment.” Other rates and terms are available. A Title search is required on loans greater than $250,000. Title Insurance is required on loans greater than $500,000. Property insurance is required and flood insurance may be required. Offer may be changed or withdrawn at any time. Consult a tax advisor regarding deductibility of interest and charges. Payments do not include amounts for taxes and insurance premiums, actual obligation will be greater. Debt protection not available. Subject to credit approval. See bank for details.

Quoted interest rates and annual percentage rates are based on a maximum loan-to-value (LTV) of 85%, 700 minimum FICO credit score and $50,000 loan amount. Subject to credit approval. Not for home purchase. Interest rates and terms vary by property type, LTV ratio and FICO credit score. Rates and payment examples are based on loans secured by properties located in NY only. For rates specific to your location, use our personalized rate quote tool. Owner-occupied, one-to-four family properties only. Other interest rates and terms available. Offer may be withdrawn at any time.

*Payments based off the highest loan amount in each tier. **Payments based off $100,000 loan. Quoted interest rates are based on a maximum loan-to-value (LTV) of 85% and minimum FICO credit score of 700. This is a variable rate line of credit secured by a one-to-four family, owner-occupied property only. The variable annual percentage rate (APR) is based on the Wall Street Journal Prime Rate +/- a margin. Subject to credit approval. Interest rates and terms vary by property type, LTV ratio and FICO credit score. Maximum APR is 18% (New York state maximum is 16%). Minimum APR is 2.50%. Minimum monthly payment requirement is interest-only based on outstanding balance with a minimum payment of $50 or balance, whichever is less. Not for home purchase. If the line is cancelled within 36 months, you will be required to reimburse Northwest for the third party costs associated with originating the line. Offer may be changed or withdrawn at any time. Other rates and terms may be available.

Closed-end vehicle loan. Annual Percentage Rate (APR) applies with a maximum loan-to-value (LTV) of 100% and a minimum credit score of 661. Subject to credit approval. Other rates and terms are available. Offer may change at any time. All APR’s and estimated monthly payments are based on a $15,000 loan amount.

*Unsecured closed-end personal loan subject to credit approval. 661 minimum credit score. 12.49% Annual Percentage Rate (APR) applies to fixed rate closed-end unsecured loan with up to 72 month term. Minimum loan amount $2,500. Other rates, minimum loan amounts, and terms available. Program may be changed or withdrawn at any time. Example: the monthly payment on a $5,000 loan at 12.49% APR is $99.03 for 72 months.