Chris Torres

Loan Officer

Chris Torres

“I love seeing members happy and excited to begin a new journey. And I have the benefit of being able to help them through this financially, and that has always been a goal of mine.”

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Buying a home can be a strenuous process, but with Chris’s 12 years of expertise in banking, he makes the difficult choices easier. Whether you’re a first-time homebuyer or a seasoned homeowner, he can walk you through the necessary steps to secure a mortgage and will answer all of your questions. Chris will explain the mortgage options available and will provide insight to help you select the best mortgage for you.

Take advantage of:

  • No Cost, No Obligation Pre-Approvals
  • Our First-Time Home Buyer Programs
  • Unique Construction Mortgage Loans
  • No Closing Cost Mortgage Options
  • Refinancing Your Mortgage To A Lower Rate, Shorter Term Or To Take Cash Out
  • Loans For Members With Less Than Perfect Credit
  • Avoiding Private Mortgage Insurance (PMI) With Less Than 20% Down

You'll love our great rates

Mortgages

Rates**

APR

Payment per $1,000*

*Up to 80% Total Loan To Value. Other rates and terms available. Pmt Per $1,000 does not include taxes and insurance if applicable. The actual obligation will be greater than the payment shown.

** Rates are effective July 11, 2024 and are subject to change at any time. Conforming Purchase loan sizes up to $726,200.00 on one-unit properties. Conforming rates and APR based on $726,200.00 Purchase loan amount with FICO credit scores of 740 and loan to value no greater than 75%. Jumbo rates and APR based on a $726,200.01 Purchase loan amount with FICO credit scores of 740 and loan to value no greater than 75%. For adjustable-rate mortgages, rate may increase after consummation.

10 Year Fixed Conforming

Rates**

6.875%

APR

6.930%

Payment per $1,000*

$11.55

15 Year Fixed Conforming

Rates**

7.000%

APR

7.039%

Payment per $1,000*

$8.99

30 Year Fixed Conforming

Rates**

7.375%

APR

7.400%

Payment per $1,000*

$6.91

30 Year Fixed Jumbo

Rates**

7.375%

APR

7.400%

Payment per $1,000*

$6.91

Get in touch with Chris

Phone: 978-323-4914

Email: [email protected]

NMLS ID: 1038059