Refinance
The time is right to refinance and we’re here to help.
We can help you save on the home you’re currently in when you refinance your mortgage with us.
Refinance
The time is right to refinance and we’re here to help.
We can help you save on the home you’re currently in when you refinance your mortgage with us.
Refinance Your Mortgage
Saving money on your mortgage is simple and easy with A+FCU. Reduce your current interest rate, lower your payments, and pay off your balance quicker. Use our Should I Refinance? calculator to see the possible benefits of refinancing.
Refinance with A+FCU before April 30, 2021 and you can get this special offer:*
- A rate that’s lower by 0.50% or more†
- A lower payment, quicker payoff, or both
- Cash out of the equity
Plus, we’re waiving all lender fees,‡ including origination fees, appraisal costs, credit report fees, and more.
Membership required. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Rates are subject to credit score, loan-to-value matrix adjustments and normal credit underwriting factors. No rate discount for automatic payments. Payments do not include amounts for taxes and insurance premiums. Actual payment obligation may be greater. ARM interest rates and payments are subject to increase after initial fixed-rate period (5 years for a 5/5 ARM, 10 years for a 10/10 ARM). ARM interest rates are subject to change at set intervals (every 5 years for a 5/5 ARM, every 10 years for a 10/10 ARM). ARM rate adjustments are determined by an index and margin, the index of which is variable and therefore unknown for future payments. Additional terms available. NMLS #405608. Rates as of 4.13.2021. 
*Conventional portfolio mortgage loans only. Excludes existing A+FCU loans. Associations and business accounts are not eligible. Available on first lien refinances with up to 95% loan-to-value for straight rate/term refinance and 80% combined-loan-to-value for cash out loans or refinance of Home Equity loans. Minimum loan amount of $250,000. Maximum loan amount of $1,500,000. Cannot use PlusPoints or any other discount with this offer.
†We will look at your current mortgage rate and member will get the better of: current rate less 0.50% (down to the floor rate of 3.00% for 30-year, 2.75% for 20-year, or 2.50% for 15-year) OR current A+FCU market rate based on normal qualifying standards. Rates are subject to credit score, loan-to-value matrix adjustments, and normal credit underwriting factors. Buy downs or discount points not available with this offer. Offer expires 4.30.2021.
‡The following fees will be waived: origination fee, appraisal, flood determination, credit report, document preparation, county filing fees, etc. Member will have to pay out-of-pocket title related fees (i.e. insurance, escrow, etc.), escrows for taxes and insurance, and prepaid interest. Offer expires 4.30.2021.
§APR = Annual Percentage Rate
⁋Limited time offer. Offer expires on 4.30.2021.
*Conventional portfolio mortgage loans only. Excludes existing A+FCU loans. Associations and business accounts are not eligible. Available on first lien refinances with up to 95% loan-to-value for straight rate/term refinance and 80% combined-loan-to-value for cash out loans or refinance of Home Equity loans. Minimum loan amount of $250,000. Maximum loan amount of $1,500,000. Cannot use PlusPoints or any other discount with this offer.
†We will look at your current mortgage rate and member will get the better of: current rate less 0.50% (down to the floor rate of 3.00% for 30-year, 2.75% for 20-year, or 2.50% for 15-year) OR current A+FCU market rate based on normal qualifying standards. Rates are subject to credit score, loan-to-value matrix adjustments, and normal credit underwriting factors. Buy downs or discount points not available with this offer. Offer expires 4.30.2021.
‡The following fees will be waived: origination fee, appraisal, flood determination, credit report, document preparation, county filing fees, etc. Member will have to pay out-of-pocket title related fees (i.e. insurance, escrow, etc.), escrows for taxes and insurance, and prepaid interest. Offer expires 4.30.2021.
§APR = Annual Percentage Rate
⁋Limited time offer. Offer expires on 4.30.2021.
Jumbo Mortgage Refinance
Jumbo Mortgage Refinance loans are available for mortgages greater than $548,250. We offer competitive rates and special savings options to make sure you get the most out of your home loan. Jumbo Refinances are available as Fixed-Rate and Adjustable Rate.
When you refinance with A+FCU before April 30, 2021, you can get:*
- A rate that’s lower by 0.50% or more†
- A lower payment, quicker payoff, or both
- Cash out of the equity
Plus, we’re waiving all lender fees,‡ including origination fees, appraisal costs, credit report fees, and more.
| Rate | APR§ | Estimated Payment Terms | |
|---|---|---|---|
| Jumbo 15-Year Fixed Refinance | As low as 2.625% | As low as 2.661% | $6.74 per $1,000 per month for 15 years |
| SPECIAL: Jumbo 30-Year Fixed Refinance⁋ | As low as 2.875% | As low as 2.889% | $4.16 per $1,000 per month for 30 years |
| Jumbo 5/5 ARM Refinance | As low as 2.500% | As low as 2.353% | $3.88 per $1,000 per month for initial fixed rate period (5 years) |
| Jumbo 10/10 ARM Refinance | As low as 2.875% | As low as 2.946% | $4.19 per $1,000 per month for initial fixed rate period (10 years) |
Membership required. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Rates are subject to credit score, loan-to-value matrix adjustments and normal credit underwriting factors. No rate discount for automatic payments. Payments do not include amounts for taxes and insurance premiums. Actual payment obligation may be greater. ARM interest rates and payments are subject to increase after initial fixed-rate period (5 years for a 5/5 ARM, 10 years for a 10/10 ARM). ARM interest rates are subject to change at set intervals (every 5 years for a 5/5 ARM, every 10 years for a 10/10 ARM). ARM rate adjustments are determined by an index and margin, the index of which is variable and therefore unknown for future payments. Additional terms available. NMLS #405608. Rates as of 4.13.2021.
*Conventional portfolio mortgage loans only. Excludes existing A+FCU loans. Associations and business accounts are not eligible. Available on first lien refinances with up to 95% loan-to-value for straight rate/term refinance and 80% combined-loan-to-value for cash out loans or refinance of Home Equity loans. Minimum loan amount of $250,000. Maximum loan amount of $1,500,000. Cannot use PlusPoints or any other discount with this offer.
†We will look at your current mortgage rate and member will get the better of: current rate less 0.50% (down to the floor rate of 3.00% for 30-year, 2.75% for 20-year, or 2.50% for 15-year) OR current A+FCU market rate based on normal qualifying standards. Rates are subject to credit score, loan-to-value matrix adjustments, and normal credit underwriting factors. Buy downs or discount points not available with this offer. Offer expires 4.30.2021.‡The following fees will be waived: origination fee, appraisal, flood determination, credit report, document preparation, county filing fees, etc. Member will have to pay out-of-pocket title related fees (i.e. insurance, escrow, etc.), escrows for taxes and insurance, and prepaid interest. Offer expires 4.30.2021.
§APR = Annual Percentage Rate
⁋Limited time offer. Offer expires on 4.30.2021.
*Conventional portfolio mortgage loans only. Excludes existing A+FCU loans. Associations and business accounts are not eligible. Available on first lien refinances with up to 95% loan-to-value for straight rate/term refinance and 80% combined-loan-to-value for cash out loans or refinance of Home Equity loans. Minimum loan amount of $250,000. Maximum loan amount of $1,500,000. Cannot use PlusPoints or any other discount with this offer.
†We will look at your current mortgage rate and member will get the better of: current rate less 0.50% (down to the floor rate of 3.00% for 30-year, 2.75% for 20-year, or 2.50% for 15-year) OR current A+FCU market rate based on normal qualifying standards. Rates are subject to credit score, loan-to-value matrix adjustments, and normal credit underwriting factors. Buy downs or discount points not available with this offer. Offer expires 4.30.2021.‡The following fees will be waived: origination fee, appraisal, flood determination, credit report, document preparation, county filing fees, etc. Member will have to pay out-of-pocket title related fees (i.e. insurance, escrow, etc.), escrows for taxes and insurance, and prepaid interest. Offer expires 4.30.2021.
§APR = Annual Percentage Rate
⁋Limited time offer. Offer expires on 4.30.2021.
Refinance Your Mortgage
Saving money on your mortgage is simple and easy with A+FCU. Reduce your current interest rate, lower your payments, and pay off your balance quicker. Use our Should I Refinance? calculator to see the possible benefits of refinancing.
Refinance with A+FCU before April 30, 2021 and you can get this special offer:*
- A rate that’s lower by 0.50% or more†
- A lower payment, quicker payoff, or both
- Cash out of the equity
Plus, we’re waiving all lender fees,‡ including origination fees, appraisal costs, credit report fees, and more.
15-Year Fixed Refinance
- Rate: as low as 2.625%
- APR:§ as low as 2.661%
- Estimated Payment Term: $6.74 per $1,000 per month for 15 years
30-Year Fixed Refinance (loan less than $250,000)
- Rate: as low as 3.625%
- APR:§ as low as 3.650%
- Estimated Payment Term: $4.57 per $1,000 per month for 30 years
SPECIAL: 30-Year Fixed Refinance (loans $250,000 – $548,250)⁋
- Rate: as low as 2.875%
- APR:§ as low as 2.894%
- Estimated Payment Term: $4.16 per $1,000 per month for 30 years
5/5 ARM Refinance
- Rate: as low as 2.500%
- APR:§ as low as 2.353%
- Estimated Payment Term: $3.88 per $1,000 per month for initial fixed rate period (5 years)
10/10 ARM Refinance
- Rate: as low as 2.875%
- APR:§ as low as 2.946%
- Estimated Payment Term: $4.19 per $1,000 per month for initial fixed rate period (10 years)
Membership required. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Rates are subject to credit score, loan-to-value matrix adjustments and normal credit underwriting factors. No rate discount for automatic payments. Payments do not include amounts for taxes and insurance premiums. Actual payment obligation may be greater. ARM interest rates and payments are subject to increase after initial fixed-rate period (5 years for a 5/5 ARM, 10 years for a 10/10 ARM). ARM interest rates are subject to change at set intervals (every 5 years for a 5/5 ARM, every 10 years for a 10/10 ARM). ARM rate adjustments are determined by an index and margin, the index of which is variable and therefore unknown for future payments. Additional terms available. NMLS #405608. Rates as of 4.13.2021.
*Conventional portfolio mortgage loans only. Excludes existing A+FCU loans. Associations and business accounts are not eligible. Available on first lien refinances with up to 95% loan-to-value for straight rate/term refinance and 80% combined-loan-to-value for cash out loans or refinance of Home Equity loans. Minimum loan amount of $250,000. Maximum loan amount of $1,500,000. Cannot use PlusPoints or any other discount with this offer.
†We will look at your current mortgage rate and member will get the better of: current rate less 0.50% (down to the floor rate of 3.000% for 30-year, 2.75% for 20-year, or 2.50% for 15-year) OR current A+FCU market rate based on normal qualifying standards. Rates are subject to credit score, loan-to-value matrix adjustments, and normal credit underwriting factors. Buy downs or discount points not available with this offer. Offer expires 4.30.2021.
‡The following fees will be waived: origination fee, appraisal, flood determination, credit report, document preparation, county filing fees, etc. Member will have to pay out-of-pocket title related fees (i.e. insurance, escrow, etc.), escrows for taxes and insurance, and prepaid interest. Offer expires 4.30.2021.
§APR = Annual Percentage Rate
⁋Limited time offer. Offer expires on 4.30.2021.
*Conventional portfolio mortgage loans only. Excludes existing A+FCU loans. Associations and business accounts are not eligible. Available on first lien refinances with up to 95% loan-to-value for straight rate/term refinance and 80% combined-loan-to-value for cash out loans or refinance of Home Equity loans. Minimum loan amount of $250,000. Maximum loan amount of $1,500,000. Cannot use PlusPoints or any other discount with this offer.
†We will look at your current mortgage rate and member will get the better of: current rate less 0.50% (down to the floor rate of 3.000% for 30-year, 2.75% for 20-year, or 2.50% for 15-year) OR current A+FCU market rate based on normal qualifying standards. Rates are subject to credit score, loan-to-value matrix adjustments, and normal credit underwriting factors. Buy downs or discount points not available with this offer. Offer expires 4.30.2021.
‡The following fees will be waived: origination fee, appraisal, flood determination, credit report, document preparation, county filing fees, etc. Member will have to pay out-of-pocket title related fees (i.e. insurance, escrow, etc.), escrows for taxes and insurance, and prepaid interest. Offer expires 4.30.2021.
§APR = Annual Percentage Rate
⁋Limited time offer. Offer expires on 4.30.2021.
Jumbo Mortgage Refinance
Jumbo Mortgage Refinance loans are available for mortgages greater than $548,250. We offer competitive rates and special savings options to make sure you get the most out of your home loan. Jumbo Refinances are available as Fixed-Rate and Adjustable Rate.
When you refinance with A+FCU before April 30, 2021, you can get:*
- A rate that’s lower by 0.50% or more†
- A lower payment, quicker payoff, or both
- Cash out of the equity
Plus, we’re waiving all lender fees,‡ including origination fees, appraisal costs, credit report fees, and more.
Jumbo 15-Year Fixed Refinance
- Rate: as low as 2.625%
- APR:§ as low as 2.661%
- Estimated Payment Term: $6.74 per $1,000 per month for 15 years
SPECIAL: Jumbo 30-Year Fixed Refinance⁋
- Rate: as low as 2.875%
- APR:§ as low as 2.889%
- Estimated Payment Term: $4.16 per $1,000 per month for 30 years
Jumbo 5/5 ARM Refinance
- Rate: as low as 2.500%
- APR:§ as low as 2.353%
- Estimated Payment Term: $3.88 per $1,000 per month for initial fixed rate period (5 years)
Jumbo 10/10 ARM Refinance
- Rate: as low as 2.875%
- APR:§ as low as 2.946%
- Estimated Payment Term: $4.19 per $1,000 per month for initial fixed rate period (10 years)
Membership required. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Rates are subject to credit score, loan-to-value matrix adjustments and normal credit underwriting factors. No rate discount for automatic payments. Payments do not include amounts for taxes and insurance premiums. Actual payment obligation may be greater. ARM interest rates and payments are subject to increase after initial fixed-rate period (5 years for a 5/5 ARM, 10 years for a 10/10 ARM). ARM interest rates are subject to change at set intervals (every 5 years for a 5/5 ARM, every 10 years for a 10/10 ARM). ARM rate adjustments are determined by an index and margin, the index of which is variable and therefore unknown for future payments. Additional terms available. NMLS #405608. Rates as of 4.13.2021.
*Conventional portfolio mortgage loans only. Excludes existing A+FCU loans. Associations and business accounts are not eligible. Available on first lien refinances with up to 95% loan-to-value for straight rate/term refinance and 80% combined-loan-to-value for cash out loans or refinance of Home Equity loans. Minimum loan amount of $250,000. Maximum loan amount of $1,500,000. Cannot use PlusPoints or any other discount with this offer.
†We will look at your current mortgage rate and member will get the better of: current rate less 0.50% (down to the floor rate of 3.00% for 30-year, 2.75% for 20-year, or 2.50% for 15-year) OR current A+FCU market rate based on normal qualifying standards. Rates are subject to credit score, loan-to-value matrix adjustments, and normal credit underwriting factors. Buy downs or discount points not available with this offer. Offer expires 4.30.2021.‡The following fees will be waived: origination fee, appraisal, flood determination, credit report, document preparation, county filing fees, etc. Member will have to pay out-of-pocket title related fees (i.e. insurance, escrow, etc.), escrows for taxes and insurance, and prepaid interest. Offer expires 4.30.2021.
§APR = Annual Percentage Rate
⁋Limited time offer. Offer expires on 4.30.2021.
*Conventional portfolio mortgage loans only. Excludes existing A+FCU loans. Associations and business accounts are not eligible. Available on first lien refinances with up to 95% loan-to-value for straight rate/term refinance and 80% combined-loan-to-value for cash out loans or refinance of Home Equity loans. Minimum loan amount of $250,000. Maximum loan amount of $1,500,000. Cannot use PlusPoints or any other discount with this offer.
†We will look at your current mortgage rate and member will get the better of: current rate less 0.50% (down to the floor rate of 3.00% for 30-year, 2.75% for 20-year, or 2.50% for 15-year) OR current A+FCU market rate based on normal qualifying standards. Rates are subject to credit score, loan-to-value matrix adjustments, and normal credit underwriting factors. Buy downs or discount points not available with this offer. Offer expires 4.30.2021.‡The following fees will be waived: origination fee, appraisal, flood determination, credit report, document preparation, county filing fees, etc. Member will have to pay out-of-pocket title related fees (i.e. insurance, escrow, etc.), escrows for taxes and insurance, and prepaid interest. Offer expires 4.30.2021.
§APR = Annual Percentage Rate
⁋Limited time offer. Offer expires on 4.30.2021.