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Save with our special offers! Only 10% down payment. One-time rate adjustment

ONE-TIME FREE MORTGAGE RATE ADJUSTMENT

Whether this is your first mortgage or your next, you do not have to guess where rates will go. With Selfreliance FCU’s One-Time Free Mortgage Rate Adjustment*, if market rates fall after you close on an eligible fixed-rate loan for your primary residence, you can lower your rate one time at no cost. No refinance, no new loan, no additional paperwork.

Example: How it works

  1. Get the loan. You take a Selfreliance FCU fixed-rate mortgage for your main home at 6.00% interest. Fixed means the rate stays the same each month.
  2. Rates go down. Later, market rates fall to 5.00%. You call or message us and request your one-time rate adjustment.
  3. We lower your rate. In this example, we reduce your fixed rate to 5.00%. Your monthly payment will go down. No new loan, no extra fees, no additonal paperwork.

Talk to our mortgage specialists today. Schedule an appointment: call 888-222-8571 or book online.

Schedule an Appointment Rates Apply Now

Why members choose our mortgage loans

Low closing costs

Members can save about $2,350 in lender fees compared to banks and about $867 compared to other credit unions. Learn more.

Options for first-time buyers

Buy your first home with 10% down and no Private Mortgage Insurance (PMI) on eligible loans. We will check eligibility for you.

Billingual support

Our team speaks English and Ukrainian and is here to support you through every step of your homeownership journey.

Disclosures
*One-time rate adjustment is available for eligible mortgage loans originated on or after February 8, 2024. The offer may end at any time. Property type and occupancy status limitations may apply. To qualify, the member must be current on all loans and obligations with Selfreliance FCU at the time of the request. The free rate adjustment is a one-time modification with no fees for eligible new loans. Any future modifications will be subject to standard fees.

Example shown for illustrative purposes only. Actual rates may vary and are subject to change without notice.

Closing-cost savings: savings figures compare lender fees only (for example: origination, processing, underwriting, verification of employment, tax service, administrative, and closing preparation). Figures are based on Selfreliance FCU fee schedules and publicly available website information from local financial institutions reviewed on 09/04/2025, assuming a primary-residence refinance with 80% loan-to-value (LTV). Actual fees vary by loan, property, and market. Title, recording, appraisal, and other third-party fees may apply.

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