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
5.990%
Fixed
6.125%
Fixed
6.250%
Fixed
6.500%
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.
We do business in accordance with the Fair Housing Act
(The Civil Rights Act of 1968, as amended by the Fair Housing Amendments Act of 1988)The Fair Housing Act protects people from discrimination when they are renting or buying a home, getting a mortgage, seeking housing assistance, or engaging in other housing-related activities.
Who is protected?
It is Illegal to Discriminate Against Any Person Because of Race, Color, Religion, Sex, Handicap, Familial Status, or National Origin
- In the sale or rental of housing or residential lots
- In advertising the sale or rental of housing
- In the financing of housing
- In the provision of real estate brokerage services
- In the appraisal of housing
- Blockbusting is also illegal
How to Report Housing Discrimination
Anyone who feels he or she has been discriminated against may file a complaint of housing discrimination:
1-800-669-9777 (Toll Free)
1-800-927-9275 (TTY)
www.hud.gov/fairhousing
U.S. Department of Housing and Urban Development
Assistant Secretary for Fair Housing and Equal Opportunity
Washington, D.C. 20410
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 5.99% APR, would require 119 monthly payments at $1,110.03 with one final payment of $1,109.83..Example: A 15 year (180 month) 1st Mortgage of $100,000 at 6.125% APR, would require 179 monthly payments at $850.95 with one final payment of $849.71..
Example: A 20 year (240 month) 1st Mortgage of $100,000 at 6.25% APR, would require 239 monthly payments at $731.27 with one final payment of $727...
Example: A 30 year (360 month) 1st Mortgage of $100,000 at 6.5% APR, would require 359 monthly payments at $632.44 with one final payment of $626.96..