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Zip.  Zero. Zilch.
No Cost Mortgage Refinance

Payoff your Home in 7 years
With mortgage rates at record lows, now’s the perfect time to fix your rate.  Refinance your home for free and even take cash out with our 7-year On The House loan. This limited-time offer features no costs, no points and no fees.  No kidding – they’re “On The House!”

House Rules

3.49% APR
No closing costs, no points, no origination fees
Short, 7-year term
100% tax-deductible interest for most California homeowners
Borrow up to 80% of your home value

Almost Home
With our simple process, this will be the easiest refinance you’ll ever get. In most cases, you’ll receive documents for your signature within a few days. We’ll do the rest.

Calculate a payment now.

Call our Loan By Phone center at (888) 858-6878 to receive an instant loan decision. Don’t delay, a rate this low won’t last forever.


On the House Loan: Credit limited to California owner-occupied  residences and subject to all Credit Union policies and procedures. Property insurance is required. Member is responsible for all property insurance and taxes. Minimum loan amount is $50,000. Actual costs apply for loans less than $50,000. Maximum loan amount is $500,000. We lend up to 80% of the appraised home value up to $500,000. Rate increases by 0.25% APR for loans over $417,000. Rate increases by 1.00% APR for loans not repaid by automatic payment. Other restrictions may apply. Call for details. Representative example: Pay $13.44 per month per $1,000 borrowed for 84 months at 3.49% APR.

Federally insured by NCUA
Equal Housing Lender
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