Mortgage Refinance Loan
Why pay more money than you need to? Not only can you save money by lowering your interest rate sooner, but you also pay well below the industry average closing cost when you refinance with T&I Credit Union.
For more information on requirements for our mortgage refinance program, as well as an application, Click Here.
No Cost Home refinance
**All Loans are subject to credit review and approval. Rates and offer are subject to change without notice. Actual rates may vary based on credit score. For loans up to 80% L.T.V - Use current mortgage rates or match loan rate of mortgagee's current lender, rates are as low as the current Platinum Rate Program. No rate match for loans over 80% L.T.V. Equal Housing Lender. You must have direct deposit set up with a T&I Credit Union account or proof from your employer/financial institution stating you have gone through the process of switching your direct deposit to T&I Credit Union prior to closing the loan in order to receive this promotion. Existing T&I loans excluded. Effective 05/01/2019.
Platinum Rate Program
FINALLY! A reward fit for your great credit score and amazing financial practices. If you owe less than 50% of the value of your home, refinance your mortgage with us for one of the best rates in the market!
*Rate = .75% above the treasury rate
*Rate based on previous Friday's end of day treasury rate. Locked in at time of application. If rate goes up during application process, member remains locked in at quoted rate. If rate goes down during the application process, members will be required to pay additional application fee of $999.00 to obtain the lower rate. All loans subject to credit review and approval. Rates and offers subject to change without notice. Only available on refinances and homes free and clear. Not available on home purchases. Equal Housing Lender.
Use the equity in your home to help pay for home improvement repairs, unexpected emergencies, and more.
*The ANNUAL PERCENTAGE RATE will vary in accordance with an Index. The "Index" is the average "Prime Rate" or "Base Rate" on corporate loans at large U.S. Money Center Commercial Banks as quoted as the average in The Wall Street Journal, "money rates" column. Up to 80% LTV. The margin to be added to the Index is zero (0) percentage points. Currently, the ANNUAL PERCENTAGE RATE is 5.50% per year, which corresponds to a daily rate of 1.5069%. All Loans are subject to credit review and approval. Rates and offers are subject to change without notice. Actual rates may vary based on credit score. Existing T&I loans excluded. Effective 04/01/2019 to 06/30/2019
*Per qualified borrower
*All Loans are subject to credit review and approval. Rates and offers are subject to change without notice. Actual rate may vary based on credit score. Existing T&I loans excluded. Effective 04/01/2019 to 06/30/2019.