Chris Ballard

Mortgage Branch Manager

NMLS #: 229599
Cell 321-594-1346
Fax 703-925-5014
Business Hours: Hours may vary - Call or Email anytime

Chris Ballard brings to you over 20 years of extensive mortgage lending experience.  A graduate of Indiana University, he will bring his expertise & knowledge to all members looking to purchase a new home, refinance an existing home, or need an home equity loan or lot/land loan.  Chris will work with you to ensure that your financial needs and goals are met by recommending the right program that fits your situation. He looks forward to helping you navigate the lending process from start to finish.

Applying online is as easy as 1-2-3.

Obtain a Personalized Rate Quote Now!

1.Apply Now and complete the application.
2.When you have completed the application, click submit and your information will be reviewed for instant online approval.
3.I will follow up to answer your questions.

My goal is to provide the highest level of service at competitive rates. I am always a phone call away if you need help. Contact me at 321-594-1346.

Click HERE to become a member of NWFCU today!



"We wanted to take a minute to tell you what a great job our Loan Officer Chris Ballard did during our refinance process.  Chris was very professional and always quick to respond to our several emails and many questions.  We explained to Chris at the beginning of the process what we wanted to achieve out of the refinance and he made it happen. My wife and I have been through several purchases and refinances and never had one go as smooth as this one. We will recommend anyone we know looking to purchase or refinance to Northwest Federal Credit Union and Chris Ballard." - Brian B.

"I just want to take a minute to express my gratitude working with Mr. Ballard during the recent purchase of my home. He was personable, professional and so easy to work with. This is my third home purchase, and I don't remember any of them being this effortless. I have belonged to the CU for many years and have never had a bad experience. You all deserve a high five for your excellent service. And a special pat on the back and several high fives to Mr. Ballard for his much appreciated assistance during my recent loan acquisition and home purchase." Mary H.

"Why was he great:
- He was extremely knowledgeable with regards to the products and process.
- He showed great attention to detail with regards to ensuring all the appropriate docs was in timely.
- He held me accountable for my piece of the work.
- He made suggestions based on my in depth conversation with him as oppose to trying to sell me the company's product.
The end result was we moved over all our accounts from Capital One to NWFCU, we are closing on our home today and we owe a big thank you to Chris.  If more mortgage professionals were like him this very stressful process would be a breeze.  For my husband and I this was such a easy process and this was due to Chris' efforts." -Jessica D.

"Just want to say thank you very much Chris for being patient and inputting all the figures and properties. If there is a review or something you want me to fill out please let me know you get 5 stars from me."  -Stephen S.

"Thanks again for all your hard work and assistance with this process.  You definitely went above and beyond. Btw, your estimates for our closing costs and the amount that we should send via wire were dead on target." -Ron S.


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Today's Rates

The First Mortgage interest rates listed below are for purchase transactions only. Please complete a Rate Quote to see our refinance rates.

First Mortgage - Conforming Limits
30 Year Fixed Rate
 Rate  APR  Points
 6.500%  6.606%  0.750%
 6.750%  6.821%  0.375%
15 Year Fixed Rate
 Rate  APR  Points
 5.875%  6.086%  1.000%
 6.000%  6.172%  0.750%
SOFR 5 Year ARM Conforming
 Rate  APR  Points
 6.250%  7.433%  0.500%
 6.375%  7.459%  0.250%
SOFR 7 Year ARM Conforming
 Rate  APR  Points
 6.375%  7.279%  0.500%
 6.500%  7.319%  0.250%
97% Financing - HomeReady
HomeReady Mortgage 30yr
 Rate  APR  Points
 6.000%  6.511%  1.000%
 6.125%  6.576%  0.375%
100% Financing
30 Year 100% Fixed Rate
 Rate  APR  Points
 7.375%  8.000%  0.500%
 7.500%  8.073%  0.000%
HomeBuyer's Edge 100%
 Rate  APR  Points
 7.625%  7.679%  0.250%
 7.750%  7.779%  0.000%
Jumbo Loans
Jumbo 30 Year Fixed Rate
 Rate  APR  Points
 6.750%  6.833%  0.750%
 6.875%  6.909%  0.250%
Jumbo 15 Year Fixed Rate
 Rate  APR  Points
 6.375%  6.509%  0.750%
 6.500%  6.555%  0.250%
SOFR 5 Year ARM Jumbo
 Rate  APR  Points
 6.500%  7.485%  0.250%
 6.625%  7.511%  0.000%
SOFR 7 Year ARM Jumbo
 Rate  APR  Points
 6.625%  7.359%  0.250%
 6.750%  7.400%  0.000%
Home Equity 70% LTV
 Rate  APR  Points
 8.000%  8.000%  0.000%
5 Year Fixed Equity-70%
 Rate  APR  Points
 6.750%  6.865%  0.000%
7 Year Fixed Equity-70%
 Rate  APR  Points
 6.875%  6.959%  0.000%
10 Year Fixed Equity-70%
 Rate  APR  Points
 7.000%  7.062%  0.000%
15 Year Fixed Rate Equity Loan-70%
 Rate  APR  Points
 7.375%  7.420%  0.000%
20 Year Fixed Rate Equity Loan-70%
 Rate  APR  Points
 7.625%  7.661%  0.000%
Home Equity 80% LTV
Home Equity Line of Credit
 Rate  APR  Points
 8.250%  8.250%  0.000%
5 Year Fixed Rate Equity Loan-80%
 Rate  APR  Points
 7.000%  7.115%  0.000%
7 Year Fixed Rate Equity Loan-80%
 Rate  APR  Points
 7.250%  7.335%  0.000%
10 Year Fixed Rate Equity Loan-80%
 Rate  APR  Points
 7.250%  7.312%  0.000%
15 Year Fixed Rate Equity Loan-80%
 Rate  APR  Points
 7.625%  7.670%  0.000%
20 Year Fixed Rate Equity Loan-80%
 Rate  APR  Points
 8.125%  8.162%  0.000%
Home Equity 90% LTV
 Rate  APR  Points
 8.750%  8.750%  0.000%
5 Year Fixed Rate Equity Loan-90%
 Rate  APR  Points
 7.625%  7.741%  0.000%
7 Year Fixed Rate Equity Loan-90%
 Rate  APR  Points
 7.750%  7.835%  0.000%
10 Year Fixed Rate Equity Loan-90%
 Rate  APR  Points
 7.875%  7.938%  0.000%
15 Year Fixed Rate Equity Loan-90%
 Rate  APR  Points
 8.375%  8.421%  0.000%
20 Year Fixed Rate Equity Loan-90%
 Rate  APR  Points
 8.625%  8.663%  0.000%
Home Equity 100% LTV
 Rate  APR  Points
 10.250%  10.250%  0.000%
5 Year Fixed Rate Equity-100%
 Rate  APR  Points
 7.875%  7.991%  0.000%
7 Year Fixed Rate Equity-100%
 Rate  APR  Points
 8.375%  8.461%  0.000%
10 Year Fixed Rate Equity-100%
 Rate  APR  Points
 8.625%  8.689%  0.000%
15 Year Fixed Rate Equity-100%
 Rate  APR  Points
 9.000%  9.047%  0.000%
20 Year Fixed Rate Equity-100%
 Rate  APR  Points
 9.500%  9.539%  0.000%

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