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Home > Personal > Loan Center > Mortgage Refi

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

3.50% APR Fixed 4.00% APR Fixed 4.125% APR Fixed

Maximum Term

7 years  10 years 12.5 years (New Limited Time Offer)

Minimum Loan Amount

$50,000 $50,000 $50,000

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 (if property does not qualify using the tax assessment) $550 - $600 (if property does not qualify using the tax assessment) $550 - $600 (if property does not qualify using the tax assessment)

Closing Costs***

None to member (Paid by CU) None to member (Paid by CU) None to member (Paid by CU)

The loan is never sold to another lender

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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 April 27, 2022. 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. Members requesting to borrow greater than the tax assessed value can purchase an appraisal. Members may borrow up to 80% of the appraised value.

***Normal closing costs to be paid by Credit Union include: Title Insurance and endorsements, documentary stamps, mortgage recording fees, and flood zone determination.

 


15 YEAR MORTGAGE REFINANCE SPECIAL (Limited Time Offer)

Rate

4.50% 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

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Apply for a Loan

APR= Annual Percentage Rate. Rates and terms are based upon individual credit worthiness. Offer subject to change without notice. Rates shown are effective May 11, 2022. Rates are on owner-occupied primary residences. Additional terms and conditions apply. NMLS #405711

 

RESOURCES

 


 

MEET OUR MORTGAGE TEAM.

TPainter

Tom Painter
Chief Lending Officer
NMLS# 490547
(850) 434-2211 Ext. 180
Email Tom

RNelson

Rhonda Nelson
Mortgage Loan Manager
NMLS# 1119389
(850) 434-2211 Ext. 171
Email Rhonda

MWade

Mary Wade
Mortgage Loan Officer
NMLS# 490544
(850) 434-2211 Ext. 185
Email Mary

 

AGarrett

Amy Garrett
Mortgage Loan Processor
NMLS# 1470666
(850) 434-2211 Ext. 215
Email Amy

MLadner

Marisa Ladner
Mortgage Loan Processor
NMLS# 708770
(850) 434-2211 Ext. 184
Email Marisa

 


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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NMLS #405711
Equal Housing Lender National Credit Union Administration
This Credit Union is federally-insured by the National Credit Union Administration. We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act.
Members First Credit Union of Florida is not affiliated with Members First Credit Union (Kentucky)

Members First Credit Union of FL is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 877-434-6328. We are actively working to increase accessibility and usability of our website to everyone. All products and services available on this website are available at all Members First Credit Union of FL branches.

 

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