Refinance & Save Money

Refinancing may be a good option for you, depending on your current mortgage’s term, rate, and how long you plan on staying in your home. No matter if you have an existing mortgage with ProFed or one with another financial institution, we have unique options that could help save you money on your mortgage.

  1. Better Rate/Term: You can refinance to take advantage of a lower rate or pay off your loan quicker with a shorter term.
  2. Access Cash: You can refinance to take advantage of the equity in your home to pay for things like college tuition, home improvements, and more.
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Refi Calculator

Use this calculator to determine if refinancing your home makes sense for you. 

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Should I Refinance My Mortgage?

On the fence about refinancing? Read this article to help you decide.

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Home Loan Rates

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Loan Product Maximum Loan to Value (LTV) Minimum Loan Term Rate as low as APR* as low as
Conventional Mortgage Up to 100% LTV No Minimum 10, 15, 20, 30 Year - Fixed Rate Click here for current rates
First-Time Homebuyer Up to 97% LTV No Minimum Up to 30 years - Fixed Rate Click here for current rates
USDA Loan Up to 100% LTV, 101% with Guarantee USDA Fee No Minimum 30-year Fixed Term Contact us for current rates
ARM Loan Up to 100% LTV No Minimum 5/1 & 7/1 - Variable Rate Click here for current rates
Construction Loan Up to 95% LTV No Minimum Flexible Terms - Fixed Rate Click here for current rates
Land Loan Up to 75% LTV No Minimum 15-year Fixed Contact us for current rates
Rapid Refi Up to 80% LTV No Minimum Up to 180 Months - Fixed Rate Click here for current rates
Renovation Loan Up to 97% LTV No Minimum Up to 30-year Fixed Rate Contact us for current rates
Home Equity Loan Up to 85% LTV $10,000 12 - 120 Months - Fixed Rate 7.490% 7.490%**
Home Equity Loan Up to 85% LTV $25,000 121 - 180 Months - Fixed Rate 7.740% 7.740%***
Home Equity Line of Credit Up to 80% LTV $10,000 120 Months - Variable Rate 7.750% 7.750%****

Membership at ProFed is required. *The annual percentage rate (APR) listed are our best rates. Your rate may vary depending on your credit score. **Annual Percentage Rate is based on a loan amount of $10,000 and a term of 120 months. ***Annual Percentage Rate is based on a loan amount of $25,000 and a term of 180 months. ****The Rate for the Home Equity Line of Credit is based on prime (index), as published in the Wall Street Journal on the last day of the month, plus a margin. The Annual Percentage Rate is based on a $10,000 line of credit.

ProFed Credit Union, NMLS# 490949