Mortgage Refinances
Re-imagine your mortgage and save with NIHFCU!
Refinancing Your Mortgage Can Open Up Doors!
Refinancing may be an excellent money management tool and a smart saving opportunity. We’re ready to help make it happen.
What can refinancing help achieve?
Lower Your Payments
Potentially save hundreds monthly and thousands over the life of your loan.
Reduce Your Loan Term
Owe less by reducing interest payments and paying off the loan earlier.
Access Cash in Your Home
Redirect funds to help cover home improvements or other household needs.
Improve Cash Flow
Free up cash in your budget to save, invest, or for other debt obligations.
Lock in to a Fixed Rate Loan
Convert to a fixed-rate loan to achieve predictability, stability, and peace of mind.
Today’s Featured Rates1
Mortgage Options At a Glance
Compare your options and contact our team today at 1-855-203-4747
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Best for
Best for
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Interest Rate
Interest Rate
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Loan Terms
Loan Terms
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Loan Amounts
Loan Amounts
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Down Payment Options
Down Payment Options
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Private Mortgage Insurance
Private Mortgage Insurance
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Key Products
Key Products
Fixed-Rate Mortgages
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Best for
Long-term homeowners who want predictable payments and budget stability
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Interest Rate
Fixed for the life of loan
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Loan Terms
10, 15, 20, or 30 years
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Loan Amounts
Up to $3,000,000
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Down Payment Options
As little as 3% down with HomeReady mortgage
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Private Mortgage Insurance
PMI required if loan-to-value over 80%
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Key Products
HomeReady mortgage (3% down), Jumbo Loan (20-30 year)
Adjustable-Rate Mortgages (ARMs)
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Best for
Shorter-term homeowners or those comfortable with payment adjustments
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Interest Rate
Lower than initial rate, adjusts after fixed-rate period
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Loan Terms
Initial fixed period of 3, 5, 7, 10, or 15 years, adjusts afterward
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Loan Amounts
Up to $1,500,000
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Down Payment Options
No PMI required if loan-to-value over 80% on select ARMs
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Private Mortgage Insurance
No PMI required for select ARMs
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Key Products
Creative adjustable options: 1, 5, 15 years
Contact an NIHFCU mortgage specialist at 1-855-203-4747 or Apply Today
Request your No-Obligation Mortgage Refinance Consultation
Meet Our Home Loan Specialists
Our seasoned and consultative specialists are ready with a home-buying experience second to none.
Call us today at 1-855-203-4747 or schedule an appointment.
Cheryl Jackson
NMLS #809976
Steve Walker
NMLS #689408
Christian Ward
NMLS #658929
Joseph Yuen
NMLS #200223
6 Stars!
From auto needs to mortgages and everything in between, just such a great team of people always willing to help. 6 stars!
Megan H.
Hearts & Smarts “Quick Reads”
Explore a series of 2-3 minute quick reads on home refinance topics popular among NIHFCU borrowers.
Refinance and save with NIHFCU!
Disclosures
Home Mortgage Disclosure Act Notice: The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. These data are available online at the Consumer Financial Protection Bureau’s Web site. HMDA data for many other financial institutions are also available at this Web site.
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1)
APR = Annual Percentage Rate. Subject to change without notice. Payment example: A 30-year fixed rate mortgage of $485,000 loan amount and sales price of $500,000, 3% down payment at 6.625% rate and 7.173% APR with 0.125% points and 1.000% origination fee, will have a fixed monthly principal and interest payment of $3,327.80, plus escrow payment for property taxes and homeowners’ insurance. Interest rate may vary, based on the applicant’s credit score, property type, occupancy and other factors. Contact an NIHFCU loan officer for details.