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	6.125% APR Fixed	6.25% APR Fixed	6.25% 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)	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
	Apply for a Loan	Apply for a Loan	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 April 11, 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	6.375% 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
	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 April 11, 2024. Rates are on owner-occupied primary residences. Additional terms and conditions apply. NMLS #405711

RESOURCES

Loan Calculators Estimate your monthly payment, see how long it will take to payoff your home loan, or calculate how much you can save by refinancing. Calculate Your Potential

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