Refinance Mortgage

There’s no place like home – and there’s no place like APCI FCU for a Refinance Mortgage Loan.1

  • Various terms available to meet your needs
  • Competitive fixed interest rates with a low, one-time processing fee2
  • Borrow up to 80% of your home's value
  • No title insurance or escrow requirements
  • Cash out option available
  • Payments can be automatically withdrawn from your Share Savings or Share Draft Checking
  • We don’t sell our mortgages


1 Please review our list of eligible states for Real Estate Secured Loan products. 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, multi-family homes, homes located in a commercial zoned area, or homes deeded under a Trust Agreement. All loans are subject to credit review.
If the loan does not close and disburse within 90 calendar days from the date on your loan estimate, the loan request will be considered closed and you will need to reapply.

2 Fees: There is a loan processing fee of $700 due at the time of disbursal. This amount can be financed into the principal loan amount. In addition to the $700 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, VA, GA, and the Parish of Orleans in LA. If the property is located in TX, an additional processing fee of $300 will be required in some cases. An attorney is required to be involved in all Real Estate Loan closings in the following states: DE, GA, MA, SC, and WV. Please contact the Credit Union for more information.

 

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