A man holding a guitar while a young girl reaches out to strum it.

Home Loans

Refinance

Refinancing your current mortgage can be a great way to save money every month or tens of thousands in interest by shortening the term of your loan. There are a lot of choices to consider, so let A+FCU help.

Apply Now

Explore Options

15-Year Fixed-Rate Refinance

As Low As APR*
5.976%†

Apply To Refinance

Compare Refinance Rates

30-Year Fixed-Rate Refinance

As Low As APR*
6.691%†

Apply To Refinance

Compare Refinance Rates

15-Year Jumbo Fixed-Rate Refinance

As Low As APR*
6.192%‡

Apply To Refinance

Compare Refinance Rates

30-Year Jumbo Fixed-Rate Refinance

As Low As APR*
6.920%‡

Apply To Refinance

Compare Refinance Rates

5/5 Adjustable-Rate Refinance

As Low As APR*
6.465%†

Apply To Refinance

Compare Refinance Rates

10/10 Adjustable-Rate Refinance

As Low As APR*
6.690%†

Apply To Refinance

Compare Refinance Rates

Mortgage Refinance Rates

Scroll to see more details

Rates, Annual Percentage Rates, Terms, and Monthly Payment Terms for various mortgage refinance loan options.
	Rate	APR*	Estimated Payment
15-Year Fixed Refinance†	As low as 5.875%	As low as 5.976%	$2,929.91 per month for 15 years
30-Year Fixed Refinance†	As low as 6.625%	As low as 6.691%	$2,241.09 per month for 30 years
15-Year Jumbo Fixed‡	As low as 6.125%	As low as 6.192%	$6,907.07 per month for 15 years
30-Year Jumbo Fixed‡	As low as 6.875%	As low as 6.920%	$5,334.26 per month for 30 years
5/5 ARM†	As low as 5.875%	As low as 6.465%	$2,070.38 per month for initial fixed rate period (5 years)**
10/10 ARM†	As low as 6.375%	As low as 6.690%	$2,183.54 per month for initial fixed rate period (10 years)**

Apply To Refinance

*APR=Annual Percentage Rate

†As low as rates and payments are based on a $350,000 loan amount with a 70% LTV, and credit score >=760. Payment examples do not include taxes and insurance premiums; actual payment may be greater.

‡As low as rates and payments are based on a $812,000 loan amount with a 70% LTV, and credit score >=760. Payment examples do not include taxes and insurance premiums; actual payment may be greater. Minimum loan amount of $806,500.

**Adjustable-Rate Mortgage (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 rate adjustments are determined by an index and margin, the index of which is variable and therefore unknown for future payments.

Membership required. LTV = Loan to Value. 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. Property must be located in Texas and primary owner-occupied single-family residence. Payments do not include amounts for taxes and insurance premiums. Actual payment obligation may be greater. Additional terms available. NMLS #405608. Rates as of 5.2.2025.

Fixed-Rate Mortgage

A fixed-rate mortgage is a mortgage with an interest rate that stays the same for the entire term of the loan – meaning the monthly principal and interest payment won’t change.

Find Out More

Adjustable-Rate Mortgage

An adjustable-rate mortgage is a loan type that offers a lower initial interest rate than most fixed-rate loans. The tradeoff is that the interest rate can change periodically and the monthly payment will go up or down accordingly.

Learn More

Conforming & Jumbo

Depending on much you borrow, you will either have a conforming or jumbo (non-conforming) loan. Conforming loans have a loan limit up to $806,500 for 2025. Any amount higher is considered a jumbo loan.

Compare Mortgage Types

Already Applied?

Check Loan Application Status

Easily check the status of your refinance application, submit documents, and more.

Check Status

Questions?

Fill out this form and a lending representative will be in touch. For more immediate assistance during business hours, please call us at 512.302.6849.

DO NOT include private account information in unsecure emails/forms to A+FCU.

Name(required)

First Last

Email(required)

Phone Number(required)

Topic(required)

How can we help?(required)

Phone

This field is for validation purposes and should be left unchanged.

Helpful

Rates & Resources

To keep you from having to do all the math, we’ve provided rates & calculators for all kinds of situations.

Home Loan Rates Mortgage Payment Calculator Should I Refinance? Calculator 15 vs. 30 Year Mortgage Calculator Free Homeownership Counseling Home Insurance

A woman holding a cell phone and a credit card.

Life Guidance for:

Debt

To get out of debt, you need to be intentional with your money. Reach your goals faster with our tools for evaluating your debt load, developing a repayment strategy, and staying committed.

Tackle Debt

A woman on a paddleboard with a dog next to her.

Life Guidance for:

Personal Finances

Financial health is a key part of overall wellness. Count on us to provide the knowledge and tools you need to make sense of your money, better your financial journey, and improve your peace of mind.

Financial Tools