Mortgage Refinance

PFFCU has three attractive products to satisfy the many different needs of our members who want to refinance their existing mortgage. These products will enable you to 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 want. 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 30 years with fixed rates, or adjustable rates with the initial interest rate and payment fixed for the first 3, 5, 7 or 10 years. 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 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.* To qualify for this refi product, your loan amount must be $30,000 or greater, your Loan-To-Value (LTV) ratio must be 90% or less and this loan may only be used for your primary residence or for single-unit vacation homes.
Check our rates and Apply Now »

No Cost Refi Mortgage

Don't want to pay any closing or settlement costs? Then our No Cost Refi Mortgage may be just right for you. The rate is still low, typically only about .25% higher than our EXPRESS Refi. It's the perfect choice for those who do not want to pay closing or settlement costs. The No Cost Refi is available in all the same fixed and adjustable rate terms as our Express Refi Mortgage, and it's just as convenient because you can close your loan at our Loan Center or at any of our branch locations. In order to qualify for this loan, your loan amount must be $30,000 or greater, your Loan-To-Value (LTV) ratio must be 85% or less, and this loan may only be used for your primary residence or for single-unit vacation homes. There are no other processing or closing costs, title insurance or settlement fees charged.* Check our rates and Apply Now! »

Traditional Refinance Mortgage

We have low, fixed and adjustable rate loans with terms ranging from 10 to 30 years. This is the perfect refinance product for members that will have a Loan-To-Value (LTV) up to 90%. Check our rates and Apply Now »

*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.