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Refinance Your Mortgage

Lower Your Monthly Payment!

When mortgage rates are low, you can save big – and in more ways than one. Refinance your mortgage at a lower interest rate to:

  • Lower your payments
  • Increase your monthly cash flow
  • Pay less interest over the life of your loan
  • Reduce the length of your loan
  • Access funds with cash-out feature

Let our licensed loan officers answer your questions and take care of the details. Call (800) 634-2340 ext. 3129 or click below to apply now.

Apply Now

Fixed Rate MortgagesThis table is a list of fixed rate mortgage products. The first column is the product name. The remaining columns represent different rates and annual percentage rates, if purchased points are included and estimated monthly payments.
Rate APR1 Points Estimated Payment2
   %  %    
   %  %    
   %  %    
   %  %    
Adjustable Rate MortgagesThis table is a list of adjustable rate mortgage products. The first column is the product name. The remaining columns represent different rates, annual percentage rates, and if purchased points are included.
Rate APR1 Points
 3  %  %  
 3  %  %  
 3  %  %  

  1. APR = Annual Percentage Rate. All rates quoted are the lowest rates and are for individuals with excellent credit. Individuals with less than excellent credit may be offered a higher rate. Variable rates may change over time.

  2. ARM = Adjustable Rate Mortgage. Rates quoted are based on Credit Union membership at the time of loan disbursal and selection of our Automatic Payment Plan. Ask about other rates and terms.

  3. Mortgage products in New York State only and offered by our Mortgage Team, Homeowners Advantage (HOA), which is a subsidiary of CAP COM FCU. HOA is a Licensed Mortgage Banker – NYS Dept. of Financial Services. HOA NMLS Identifier: 290363. Principal Address: 4 Winners Circle, Albany NY 12205. CAP COM FCU NMLS Identifier: 401261.