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
Reasons to Refinance
Reduce Your Interest Rate
Refinance the rate of your existing rental or investment property and earn a fixed rate from Members 1st to help you successfully manage your cash flow.Adjust Your Loan Term
Choose from a 15- or 30-year term to either reduce your term for quicker payoff or extend your term for a lower payment. Let us tailor your refinance loan to meet your goals.Steps to Apply
1. Get a Quote
Lock in today's rate or lower with our 60-day Rate Advantage.
2. Gather Your Documents
We'll guide you through the documents needed for a smooth application process.
3. Underwrite Your Loan
Once approved, we'll finalize the details of your loan and prepare your closing documents.
4. Sign & Close Your Loan
Sign your closing loan documents and set up your preferred payment method.
Rates & Resources
Resources
Home Loan Services
- Manage an existing loan
- Check your application status by calling (530) 222-6060 x516
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
*All third-party fees are paid by the borrower. Please see your Loan Estimate for details.*
Annual Percentage Rate. This is a fixed rate available to qualified borrowers on a 15- 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 1-4 family residence. The Credit Union will not lend on mobile homes, manufactured homes, or condos.
Example: A 15 year (180 month) 1st Mortgage of $100,000 at 7.781% APR, would require 179 monthly payments at $943.47 with one final payment of $941.79..Example: A 30 year (360 month) 1st Mortgage of $100,000 at 8.034% APR, would require 359 monthly payments at $736.61 with one final payment of $732.52..