Financial decisions depend a lot on timing, and we believe that now is the time to refinance your home loan if you haven’t done so recently.

The most time-sensitive reason to refinance your mortgage from another financial institution with Members First is to catch interest rates while they’re still low, and we’re already beginning to see an uptick this year. If you refinance now before rates go up again, you’ll get your lowest possible rate and your lowest monthly payment. You may even pay off your house sooner.

In addition to lower payments, you’ll also pay no points and no closing costs* making refinancing an even better financial decision. Apply now to learn how much you can save.

*Appraisal fee will be collected upon credit approval and reimbursed at the time of closing. No Closing Costs are incurred on Fixed Rate First Mortgage Loans with the following requirements: (1) No Closing Cost program is selected at application; the rate for this product is higher than the traditional rate. (2) Loan amount is $100,000.00 or greater. (3) Property is a Single-Family Primary Residence or Second Home. (4) All Borrowers have a credit score of 680 or better on 2 out of 3 credit bureaus. (5) Home is not listed for sale. (6) Member selects auto-transfer from a Members First account as a payment method. (7) Maximum Debt-to-Income ratio of 43%. (8) Loan meets investor requirements for Loan-to-Value, Mortgage Insurance approval if required, credit profile, appraisal, and title.