When this happens, we can help you determine when it makes sense to refinance. The benefits of refinancing include the possibility of reducing your monthly payment, reducing the amount of time required to pay off the loan or converting an adjustable rate loan to a fixed rate.
We offer:
- Conforming, conforming plus and jumbo options
- Second home and investment properties
- FHA loans
The Choice is Yours
No-Cost Refinance
Perfect for: existing homeowners wanting to accelerate the payoff of their mortgage with a shorter term
A fixed-rate loan with no points, no fees, and no closing costs. Choose from 7- or 15-year terms, or 12-year terms for investment properties.
- Borrow up to 80% of the appraised home value for primary residences
- Borrow up to 70% for second homes and investment properties
- Available for California primary, second, and investment properties
Traditional Refinance
Perfect for: lowering your current rate or payment, or converting an adjustable rate to a fixed rate
Choose fixed- or adjustable-rate options, with no-point options available or the ability to pay points to reduce your rate. Terms are available at 15-, 20-, and 30 years, with various loan-to-value options depending on the property.
Available for California, Colorado and Nevada properties.
Get Started
To find out if refinancing makes sense for you, call a member service representative at (888) 858-6878 ext. 5282. We’ll take your request over the phone and tell you how much you qualify for and provide the rate, term and monthly payment amount.
Refer your family and friends
You'll both get $50 when they open an account. Refer up to 10 friends and receive $500!
Membership at Pacific Service Credit Union is subject to all terms, conditions, and eligibility requirements applicable to membership and account ownership. Visit the following webpages for complete membership eligibility and current rates. Some restrictions apply. Membership requires the opening of a primary savings account with a minimum balance of $5.00.
Rates and terms subject to change without notice. Collateral protection insurance is required to obtain any secured loan. Must be 18 or older to apply. Loans subject to all credit union policies and procedures. For current information, please call a member service representative at (888) 858-6878.
Rates, points and programs cannot be guaranteed and are subject to change without notice. Property insurance is required. Flood insurance may apply. No mobile homes. Quoted conforming rates are based on a loan amount of $832,750, rate and term only. Rate adjustments may apply for cash out, loans under or over $832,750, rental/vacation/second home properties or loan-to-value (LTV) over 70% of appraised value. Actual rate will be determined after receipt of application and prior to execution of final loan documents. There are no pre-payment penalties on these quotes. Representative example: Pay $5.99 per month per $1,000 borrowed at 6.000% APR for 30 years. Taxes and insurance are not included in this calculation.