Enjoy the perfect combination of low rates and unsurpassed service. Your home is the foundation for your family. Trust that care with America's Christian CU, where we still provide service with a real, live person every time you need us. Existing homeowners can refinance now to capitalize on our lower rates.
15-Year Loan, fixed rate 2.75/2.84% APR* - no points!
30-Year Loan, fixed rate 3.625/3.68% APR* - no points!
No cost & Jumbo mortgages available.
No obligation so call now at 1.800.343.6328.
- Use for any purpose, including debt consolidation or home improvement
- In-house decision-making
- Streamlined application process
- No closing costs
- Amount up to 80% of appraised value (less the remaining principal owed)
- Debt Protection available
- Interest typically tax deductible**
- Setup payments on Auto-Pay
See our current rates.
*APR=Annual Percentage Rate. **Consult a tax advisor.
Mortgage loan rates and terms effective 02/13/2013 and are subject to change without notice. For new purchase loans, the maximum loan-to-value ratio is 80% based on appraised value. For refinance loans with cash out, the maximum loan-to-value ratio is 75% based on appraised value. All rates apply to single family dwellings that are owner occupied. Closing costs are associated with this loan. The APR is based on loan amounts up to $417,000.00. The loan may be refinanced at any time. Loan approval subject to credit, income and property appraisal.
Refinancing could be right for you if you are looking to reduce your monthly payments, shorten the length of your loan, convert equity to cash, or convert an ARM to a fixed rate.
There are times to refinance, and times not to refinance. If rates have dropped significantly since your mortgage, or if the current value of your home has increased, refinancing may be a good idea.
In addition to saving money, refinancing is a way to utilize your equity without selling your house. You can convert that equity into cash for home improvements, debt consolidation, paying for college, financing a vacation home, or just about anything.
How much will it cost?
Keep in mind there are closing costs associated with refinancing. These costs can be rolled into the mortgage, but that means you are adding to the principal. To determine if you will be better off refinancing for the long-term, determine how much you will save per month by refinancing. Calculate how many months it will take, based on these savings, to equal the closing costs. That is your break even point. If you will be in the home at least that long, you come out on top.
- Mortgage Assistance
If you hold a mortgage with America's Christian CU and are having difficulty meeting your monthly payments, contact us to see how we can help.
You may qualify for the federal Making Home Affordable program, designed to assist American homeowners in preventing foreclosure. There are additional resources available from the U.S. Department of Housing and Urban Development.
We will also work to find other loan modification and repayment options. The first step is calling our mortgage experts at 1-800-343-6328.