We help homeowners escape from oversized mortgages so you spend less and regain control over your finances. Choose from either a Conventional Refinance for more borrowing power and loan options or a Simple Refinance for fewer upfront costs, solutions to help you plan for the long or short-term.
No Lender Fees, No Points, No Bull
Save when you refinance your existing mortgage to Members 1st by paying no lender fees and no points.$
Lender Fees
$
Points
Rates
APR* as low as
Rates
APR* as low as
5.375%
Fixed
5.750%
Fixed
6.125%
Fixed
6.250%
Fixed
Call for rates on Jumbo Loans
Calculators
Resources
Home Loan Services
- Manage an existing loan
- Check your application status by calling (530) 222-6060 x516
Cash out refinance loan
Thinking about cashing out?If you have available equity in your home, you could get cash out at closing.
Home insurance
You know you need it.But do you know how to get a deal?
Home insurance
You know you need it. But do you know how to get a deal?1. If a full appraisal is required by the credit union, the borrower will be responsible for this fee. The no cost program is only available one time per member and not available when refinancing an existing credit union loan.
This is a fixed rate available to qualified borrowers on a 10-, 15-, 20- or 30-year term. Maximum 80% Loan-to-Value required. Mortgage loan proceeds may not be used to refinance existing Members 1st Credit Union loans. No early payoff penalties. The property must be a single family residence that is owner occupied (no rentals or investment properties). The Credit Union will not lend on mobile homes, manufactured homes, condos, or duplexes.
Example: A 10 Year (120 month) 1st Mortgage of $100,000 at 5.375% APR, would require 119 monthly payments at $1,079.21 with one final payment of $1,078.65..Example: A 15 year (180 month) 1st Mortgage of $100,000 at 5.75% APR, would require 179 monthly payments at $830.58 with one final payment of $830.01..
Example: A 20 year (240 month) 1st Mortgage of $100,000 at 6.125% APR, would require 239 monthly payments at $723.87 with one final payment of $717.62..
Example: A 30 year (360 month) 1st Mortgage of $100,000 at 6.25% APR, would require 359 monthly payments at $615.97 with one final payment of $602.54..
Apply now or speak with one of our loan officers at (800) 303-3838.