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Find answers to our Frequently Asked Questions.
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.

When you refinance with A+FCU before December 31, 2020, you can get:*

  • A rate that’s lower by 0.50% APR or more**
  • A lower payment, quicker payoff, or both
  • Cash out of the equity

From now through December 31, 2020, enjoy reduced fees*** when you refinance with A+FCU (loans under $250,000). Fees covered include title search, flood determination, credit report, document preparation, and county filing fees.

  Rate APR Estimated Payment Terms
15-Year Fixed Refinance As low as 2.625% As low as 2.656% $6.74 per $1,000 per month for 15 years
30-Year Fixed Refinance As low as 3.625% As low as 3.646% $4.57 per $1,000 per month for 30 years
5/5 ARM Refinance As low as 2.500% As low as 2.939% $4.18 per $1,000 per month for initial fixed rate period (5 years)
10/10 ARM Refinance As low as 2.750% As low as 3.077% $4.26 per $1,000 per month for initial fixed rate period (10 years)

APPLY

APR=Annual Percentage Rate. 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. 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 9.22.2020. Equal Housing Lender logo
*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 and 80% combined-loan-to-value for home equity. Minimum loan amount of $25,000. No origination fee. Normal lending criteria apply. Program, rates, terms, and conditions are subject to change without notice. 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% APR (down to the floor rate) 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 not applicable for loans over $249,999, mortgage purchase, or loans requiring private mortgage insurance (PMI). Minimum loan amount of $25,000. Borrower is responsible for prepaid closing costs; such as, additional prepaid interest, property taxes, home owner’s insurance, and flood insurance, if applicable. If required by lender, fees for a survey or title insurance policy will be the responsibility of the borrower. Other restrictions may apply. Offer is subject to change at any time without notice.


Jumbo Mortgage Refinance

Jumbo Mortgage Refinance loans are available for mortgages greater than $510,400. 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 December 31, 2020, you can get:*

  • A rate that’s lower by 0.50% APR or more**
  • A lower payment, quicker payoff, or both
  • Cash out of the equity

APPLY

Aplicación en Español >

APR=Annual Percentage Rate. 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. Add 0.50% to the above rates for loans of $750,000 or more. 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 9.22.2020. Equal Housing Lender logo
*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 and 80% combined-loan-to-value for home equity. Minimum loan amount of $25,000. No origination fee. Normal lending criteria apply. Program, rates, terms, and conditions are subject to change without notice. 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% APR (down to the floor rate) 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.

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.

When you refinance with A+FCU before December 31, 2020, you can get:*

  • A rate that’s lower by 0.50% APR or more**
  • A lower payment, quicker payoff, or both
  • Cash out of the equity

From now through December 31, 2020, enjoy reduced fees** when you refinance with A+FCU (loans under $250,000). Fees covered include title search, flood determination, credit report, document preparation, and county filing fees.

15-Year Fixed Refinance

  • Rate: as low as 2.625%
  • APR: as low as 2.656%
  • Estimated Payment Term: $6.74 per $1,000 per month for 15 years

30-Year Fixed Refinance

  • Rate: as low as 3.625%
  • APR: as low as 3.646%
  • Estimated Payment Term: $4.57 per $1,000 per month for 30 years

5/5 ARM Refinance

  • Rate: as low as 2.500%
  • APR: as low as 2.939%
  • Estimated Payment Term: $4.18 per $1,000 per month for initial fixed rate period (5 years)

10/10 ARM Refinance

  • Rate: as low as 2.750%
  • APR: as low as 3.077%
  • Estimated Payment Term: $4.26 per $1,000 per month for initial fixed rate period (10 years)

APPLY

APR=Annual Percentage Rate. 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. 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 9.22.2020. Equal Housing Lender logo

*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 and 80% combined-loan-to-value for home equity. Minimum loan amount of $25,000. No origination fee. Normal lending criteria apply. Program, rates, terms, and conditions are subject to change without notice. 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% APR (down to the floor rate) 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 not applicable for loans over $249,999, mortgage purchase, or loans requiring private mortgage insurance (PMI). Minimum loan amount of $25,000. Borrower is responsible for prepaid closing costs; such as, additional prepaid interest, property taxes, home owner’s insurance, and flood insurance, if applicable. If required by lender, fees for a survey or title insurance policy will be the responsibility of the borrower. Other restrictions may apply. Offer is subject to change at any time without notice.


Jumbo Mortgage Refinance

Jumbo Mortgage Refinance loans are available for mortgages greater than $510,400. 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 December 31, 2020, you can get:*

  • A rate that’s lower by 0.50% APR or more**
  • A lower payment, quicker payoff, or both
  • Cash out of the equity

Jumbo 15-Year Fixed Refinance

  • Rate: as low as 2.625%
  • APR: as low as 2.656%
  • Estimated Payment Term: $6.74 per $1,000 per month for 15 years

Jumbo 30-Year Fixed Refinance

  • Rate: as low as 3.625%
  • APR: as low as 3.646%
  • Estimated Payment Term: $7.22 per $1,000 per month for 30 years

Jumbo 5/5 ARM Refinance

  • Rate: as low as 2.500%
  • APR: as low as 2.928%
  • Estimated Payment Term: $4.18 per $1,000 per month for initial fixed rate period (5 years)

Jumbo 10/10 ARM Refinance

  • Rate: as low as 2.750%
  • APR: as low as 3.077%
  • Estimated Payment Term: $4.26 per $1,000 per month for initial fixed rate period (10 years)

APPLY

Aplicación en Español >

APR=Annual Percentage Rate. 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. Add 0.50% to the above rates for loans of $750,000 or more. 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 9.22.2020. Equal Housing Lender logo
*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 and 80% combined-loan-to-value for home equity. Minimum loan amount of $25,000. No origination fee. Normal lending criteria apply. Program, rates, terms, and conditions are subject to change without notice. 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% APR (down to the floor rate) 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.