PFFCU::Rates and Calculators::Applications:Express Refi Application

EXPRESS Refi &
No Cost
Refi Application

Product You Would Like
Member Account Number
Term
Requested Loan Amount
Are you refinancing an existing PFFCU Home Equity Loan?

In order to qualify for our EXPRESS Refi or No Cost Refi Mortgage, PFFCU must have a first lien position on your property. The EXPRESS Refi and No Cost Refi Mortgages are available for primary residences (terms up to 30 years) and single-unit vacation homes (terms up to 15 years). This product is not available for investment properties. Your loan amount must be $30,000 or greater and your maximum Loan-To-Value (LTV) must be 90%. PFFCU offers a rate lock policy where you can lock in your EXPRESS Refi Mortgage or No Cost Refi Mortgage interest rate for a term of 60 or 90 days depending on the number of days you require to close your loan. There is an additional charge for 90 day locks. (If you know that your closing will not occur within these lock in periods, you should not exercise the lock in option). You have the option of locking in your rate from the time you submit a completed mortgage application, up until six (6) calendar days before closing. EXPRESS Refi Mortgage Only: The fee for our EXPRESS Refi Mortgage Loan, which is charged at closing, is $995 regardless of loan amount. There are no other processing or closing costs, title insurance or settlement fees charged. A satisfaction fee is charged by the county government when a loan is paid off. PFFCU will collect that fee from you at the closing of our loan.
Purpose of Loan
Address Of Property on Which You Want the EXPRESS Refi Mortgage Loan:
Street Address

City	State	County

Property's Estimated Value
Repayment Method	Monthly Automatic Transfer Bi-Weekly Payroll Deduction (S9) Monthly Pension Coupon Book
Names of Individuals on Deed
BORROWER
Last	First	MI

Address

City	State	County	Zip Code

Last 4 Digits of SSN
Home Phone
Email Address
Transaction Authorization Code(TAC) (If you have a TAC on your account, this must be filled out in order for PFFCU to process your request)
Date of Birth
Marital Status	Married Single Unmarried (Separated/Widowed/Divorced)
Name of Employer
Employer's Address
Start Date	/ /
Position/Title
Business Phone/Ext.
Monthly Gross Income $
Other Income (Annual)
Source
Co-BORROWER
Last	First	MI

Address

City	State	Zip Code

Last 4 Digits of SSN
Home Phone
Date of Birth
Marital Status	Married Single Unmarried (Separated/Widowed/Divorced)
Name of Employer
Employer's Address
Start Date	/ /
Position/Title
Business Phone/Ext.
Monthly Gross Income $
Other Income (Annual)
Source
Alimony, child support or separate payments need not be revealed if you do not choose to have it considered.
List Any First Mortgages and/or Home Equity Loans that You Have on any Property

Lender Name	Present Balance	Monthly Payment	Paid Off With This Loan
1.	$	$
2.	$	$
3.	$	$

Additional Bills to be Paid off with this Loan
Lender Name
1.
2.
3.
4.
5.
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8.
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10.
INFORMATION FOR GOVERNMENT MONITORING PURPOSES
The following information is requested by the Federal Government for certain types of loans related to a dwelling, in order to monitor the Lender's compliance with equal credit opportunity, fair housing and home mortgage disclosure laws. You are not required to furnish this information, but are encouraged to do so. The law provides that a Lender may neither discriminate on the basis of this information, nor on whether you choose to furnish it. However, if you choose not to furnish it, under Federal regulations this Lender is required to note race and sex on the basis of visual observation or surname. If you do not wish to furnish the above information, please check the box below. (Lender must review the above material to assure that the disclosures satisfy all requirements to which the Lender is subject under applicable state law for the particular type of loan applied for.)
Borrower
I do not wish to furnish this information
Ethnicity:
Hispanic or Latino Not Hispanic or Latino
Sex:	Male	Female
Race:
American Indian or Alaskan Native Asian Black or African American Native Hawaiian or Other Pacific Islander White
Co-Borrower
I do not wish to furnish this information
Ethnicity:
Hispanic or Latino Not Hispanic or Latino
Sex:		Male Female
Race:
American Indian or Alaskan Native Asian Black or African American Native Hawaiian or Other Pacific Islander White
Additional Comments
Police and Fire Federal Credit Union accounts, loans and other services are available only to members of the Police and Fire Federal Credit Union. If you would like to see if you qualify for membership, please contact one of our Telephone Member Service Representatives.

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