Find answers to our Frequently Asked Questions.

Saving money on your mortgage is simple and easy with our low rates and special end-of-the-year offers:

  • Refinance your mortgage with us to lower your monthly payment. A+FCU members who refinanced with us in 2021 are now saving over $750 on average each month on their mortgage payment.*
  • Plus we’re waiving all lender fees, including origination fees, appraisal costs, credit report fees, and more – saving members an average of $4,900 in fees.†

Ready to see how we can help you save? Click the button below and after a few easy steps, our award-winning Mortgage team will work on customizing a plan to help you save.

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Not looking to refinance? Take advantage of increased home values with a Home Equity Loan. Now through the end of the year, enjoy waived fees including title search, flood determination, credit report, document preparation, and county filing fees – saving an average of over $750.‡

Compare and pick how you want to save.
Refinance Cash-Out Refinance Home Equity Loan
Refinance your mortgage to save on your monthly payment, pay less in interest, or change your term. Borrow up to 95% of Loan-to-Value (LTV). Receive a portion of your home’s equity in a lump sum and use the funds however you choose. Borrow up to 80% of Loan-to-Value (LTV). Take advantage of the equity in your home with a low fixed rate and fixed repayment schedule. Borrow up to 80% of Loan-to-Value (LTV).

Ready to apply? Start here.

 

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Ready to apply? Start here.

 

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Ready to apply? Start here.

 

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Refinance

Refinance your mortgage to save on your monthly payment, pay less in interest, or change your term. Borrow up to 95% of Loan-to-Value (LTV).

Ready to apply? Start here.

Want more information? Click here.

Cash-Out Refinance

Receive a portion of your home’s equity in a lump sum and use the funds however you choose. Borrow up to 80% of Loan-to-Value (LTV).

Ready to apply? Start here.

Want more information? Click here.

Home Equity Loan

Take advantage of the equity in your home with a low fixed rate and fixed repayment schedule. Borrow up to 80% of Loan-to-Value (LTV).

Ready to apply? Start here.

Want more information? Click here.

Not sure which option is right for you? Let us help.

*Average payment savings is $766 as of 8.27.2021. Calculated by averaging payment savings for mortgage refinance loans of $250,000 or more from January – August 2021. Individual savings will vary and are not guaranteed.
†The following lender 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. Minimum loan amount of $250,000. Average fee savings is $4,898 as of 8.27.2021. Calculated by totaling the amount of lender fees waived and totaling the amount of origination fees waived (calculated at 1% of the loan amount) for mortgage refinance loans of $250,000 or more from January – August 2021. Individual savings will vary and are not guaranteed. Offer expires 3.31.2022.
‡Offer not applicable for mortgage purchase, loans over $249,999, current A+FCU mortgages, or loans requiring private mortgage insurance (PMI). Borrower is responsible for prepaid closing costs; such as additional prepaid interest, taxes, 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. If the applicant voluntarily requests an appraisal, the appraisal fee will be collected from the applicant upfront and is non-refundable. Other restrictions may apply. Average fee savings is $791 as of 11.1.2021. Calculated by averaging fee savings for home equity loans from September 1 – October 31, 2021. Individual savings will vary and are not guaranteed. Offer expires 12.31.2022.
Membership Required. Insured by NCUA. 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. Property must be located in the state of Texas. NMLS #405608.Equal Housing Lender logo


Refinance

Refinance your mortgage to reduce your current interest rate, lower your payments, and pay off your balance quicker. Use our refinance calculator to find out how much money you could save.

Have questions or want to discuss options? Give us a call at 512.302.6849 or click here to fill out a contact form and a lending representative will be in touch.

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Cash-Out Refinance

For a cash-out refinance, the maximum amount to be drawn out is 80% of the home’s value. Your new loan’s interest rate, term, payment, and conditions will likely change upon refinancing. Access the equity in your home to use the funds as you see fit.

Have questions or want to discuss options? Give us a call at 512.302.6849 or click here to fill out a contact form and a lending representative will be in touch.

APPLY NOW


Home Equity Loan

Borrow up to 80% of the home’s value less any liens and have a low fixed rate for the life of the loan. Use the funds to make costly home repairs and improvements, pay off high-interest debt, contribute to a child’s college tuition, or fund investments. This is a great option if you’re looking for predictable payments. Try our free loan comparison calculator to view variables of other loans side by side.

Have questions or want to discuss options? Give us a call at 512.421.2874 or click here to fill out a contact form and a lending representative will be in touch.

APPLY NOW

Membership Required. Insured by NCUA. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Property must be located in the state of Texas. NMLS #405608.