Mortgage Refinance
PAY OFF YOUR MORTGAGE QUICKLY WITH OUR MORTGAGE REFI PROGRAMS.
It's the perfect time to refinance your home and take advantage of low rates and Members First's mortgage options to lock in your savings and pay off your mortgage quickly. Our Accelerate Your Home Loan Program has 7, 10, and an all new limited time 12.5 year payback option. Need more time? Check out our 15 Year Mortgage Refinance Special.
Please look over each program's details below to find the mortgage option that works for you. If you're not sure where to begin, give as a call at (850) 434-2211 or stop by one of our locations. Our team of professionals is available to help answer your questions.
ACCELERATE YOUR HOME LOAN PROGRAM
FOR A LIMITED TIME, REFINANCE YOUR EXISTING MORTGAGE AND PAY NO CLOSING COSTS!*
Rate |
5.75% APR Fixed | 5.875% APR Fixed | 6.00% APR Fixed |
Maximum Term |
7 years | 10 years | 12.5 years (Limited Time Offer) |
Minimum Loan Amount |
$20,000 | $20,000 | $20,000 |
Maximum Loan Amount |
$500,000 | $500,000 | $500,000 |
Maximum Loan to Property Value** |
100% tax assessment or 80% of appraisal | 100% tax assessment or 80% of appraisal | 100% tax assessment or 80% of appraisal |
Document Preparation Fee |
$285 | $285 | $285 |
Appraisal Fee |
$550 - $600 | $550 - $600 | $550 - $600 |
Site Inspection Fee (when using Tax Assessed Value) |
$150 - $250 | $150 - $250 | $150 - $250 |
Closing Costs*** |
|
None to member with minimum loan amount of $50K and new money (excludes appraisal/site inspection fee) | None to member with minimum loan amount of $50K and new money (excludes appraisal/site inspection fee) |
The loan is never sold to another lender |
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|
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APR= Annual Percentage Rate. Rates and terms are based upon individual credit worthiness. Offer subject to change without notice. Rates shown are effective November 26, 2024. NMLS #405711
*This is a limited time offer. Member must meet all loan approval guidelines; the terms listed above and must agree not to prepay for the first six months. Members that have had no prior closing cost loans paid by the Credit Union must advance a minimum of $50,000 in new money to qualify for the no closing cost special or agree to pay all normal closing costs on new loan.
**Member may borrow up to 100% of Tax Assessed Value. (Site Inspection required). Member may borrow up to 80% of appraised value when requesting to borrow more than the tax assessed value (appraisal required).
***Normal closing costs to be paid by Credit Union include: Title Insurance and endorsements, documentary stamps, mortgage recording fees, and flood zone determination. (Minimum loan amount $50K and new money)
15 YEAR MORTGAGE REFINANCE SPECIAL (Limited Time Offer)
Rate |
5.875% APR Fixed |
Maximum Term |
15 years |
Minimum Loan Amount |
$20,000 |
Maximum Loan to Property Value |
90% of appraisal |
Origination Fees |
None (borrower pays only a $285.00 Document Preparation Fee) |
Points |
None |
Private Mortgage Insurance (PMI) |
None |
The loan is never sold to another lender |
|
APR= Annual Percentage Rate. Rates and terms are based upon individual credit worthiness. Offer subject to change without notice. Rates shown are effective December 12, 2024. Rates are on owner-occupied primary residences. Additional terms and conditions apply. NMLS #405711
RESOURCES
MEET OUR MORTGAGE TEAM.
Rhonda Nelson
Mortgage Loan Manager
NMLS# 1119389
(850) 434-2211 Ext. 171
Email Rhonda
Mary Wade
Mortgage Loan Officer
NMLS# 490544
(850) 434-2211 Ext. 185
Email Mary
Amy Garrett
Mortgage Loan Processor
NMLS# 1470666
(850) 434-2211 Ext. 215
Email Amy
Is one of our Mortgage Team members busy or out of office? Email the Mortgage Group or call us (850) 434-2211 Ext. 842 and our next available team member will be there to assist you.
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