The One Roof Community Housing is a mortgage from One Roof Community Housing. The ongoing APR is The minimum interest rate on the PAL is 5.5%, with either a fixed or adjustable rate. The PAL rate will be 0.5% under the locked first mortgage fixed rate. Or the rate will be 0.25% under the locked first mortgage adjustable rate.. Typical credit limit: The maximum PAL amount is 18% of purchase price or $40,000 whichever is lower.. Loan terms: The maximum loan term will be 20 years on a 20-year to 30-year 1st mortgage, and cannot exceed the term of the 1st mortgage..