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Home > Loans & Mastercard® > Mortgage & Home Equity Loans > Mortgage Refinance

Mortgage Refinance (View Rates)

Why choose APCI FCU to refinance your mortgage?

Take comfort. Lower payments are possible with a 30-year refinance mortgage from APCI FCU.

  • Now available for a limited for full details and restrictions
  • Click for answers to 30-year refinance mortgage special FAQs
  • Loan cannot be used to refinance an existing APCI FCU loan

Variety of repayment terms and competitive rates

  • 5, 10, 15 and 20 year mortgage refinancing terms available at great low rates
  • Borrow up to 80% of your home's value
  • Eligible States
  • Possible tax benefits1

Low fees and no points

  • Pay a low $575 loan processing fee2
  • No escrow of taxes or insurance premiums required
  • No title insurance required

Cash out option available

Convenient repayment options

  • Payments can be automatically withdrawn from your Share Savings or Share Draft Checking account
  • Set up payments to be withdrawn weekly, bi-weekly or monthly3

We don't sell our mortgages

  • When you refinance with APCI FCU, your loan is serviced by people you know and trust for the duration

Application is fast and easy

Product Sheet

Product Sheet - Texas residents only: closing costs may be higher

This Program is available to refinances and must be a first lien loan secured by your primary residence or second home. APCI FCU does not offer financing on land loans, investment properties, manufactured homes, mobile homes, or homes deeded under a Trust Agreement.

1 Consult your tax advisor regarding tax deductability status.

2 Fees: There is a loan processing fee of $575 due at the time of disbursal. This amount can be financed into the principal loan amount. In addition to the $575 processing fee, appraisal fees in excess of $500 and recording fees in excess of $200 will be the responsibility of the borrower. Appraisal fees are generally less than $500. Recording fees in most states are under $200. States with high recording fees include, but are not limited to: NY, MD, KS, FL, MN, VA, GA, and the Parish of Orleans in LA. Please contact the Credit Union for details.

3 Weekly repayment option excludes 20-year and 30-year term Refinance Mortgage loans.

All loans are subject to credit review.