Mortgage Refinance

PFFCU has two attractive products to satisfy the many different needs of our members who want to refinance their existing mortgage. You can take advantage of lower rates to reduce your monthly payment or shorten the term of your loan, or you can use the equity in your home to finance whatever you need. Click here to learn how you can save thousands of dollars on your mortgage. Enjoy the convenience of having your loan payment deducted from your PFFCU checking account. Use our Refinance Calculator to determine how much you can save by refinancing your loan.

EXPRESS Refi Mortgage

Our EXPRESS Refi Mortgage saves you money on closing costs! We offer terms up to 15 years with fixed rates, and adjustable rate mortgages with 30 year terms where the initial interest rate and payment are fixed for the first 3, 5, 7 or 10 years, then an adjustable rate, which may change annually. Our EXPRESS Refi Mortgage can save you $2,000 or more in closing costs over a traditional refinance mortgage – plus, your loan will be closed faster! You can close this loan at our Loan Center or at any of our branch locations. The closing fee for our EXPRESS Refi Mortgage Loan is $995, regardless of loan amount. There are no other processing costs, closing costs, settlement fees or title insurance charged.* To qualify for this refi product, your loan amount must be $30,000 or greater, with a Loan-To-Value (LTV) ratio of 90% or less for your primary home, and 80% or less for a second home. The interest rate for which you qualify is dependent upon your credit score and the loan-to-value of your mortgage.      Check our rates and Apply Now »

Traditional Refinance Mortgage

We offer fixed rate loans with terms up to 30 years. The interest rate for which you qualify is dependent upon your credit score and the loan-to-value of your mortgage. Check our rates and Apply Now »