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Whether you'd like to free up some money in your budget by lowering your monthly payments or pay off your mortgage faster, refinancing your home with a lower rate might be a good option for you. Discover how much you can save by using our calculator or by talking to one of our experienced Mortgage lenders. Call 888.222.8571 Option 5.

Refinancing Rates

Jumbo Rates

*Fixed Rate Mortgages:

The stated Annual Percentage Rates (APRs) are all based on $100,000 mortgages, except for the Fixed Rate Jumbo Portfolio Mortgages which are based on $726,200 mortgages. For example, a $100,000 15 Year Fixed Rate Purchase mortgage with an 80% LTV will have a 6.625% APR and the repayment schedule will be 180 monthly payments of approximately $864.

Adjustable Rate Mortgage (ARM):

The 5/6, 7/6, and 10/6 ARMs offer a fixed rate for the initial period of the loan (for the 5/6 - 5 years; for the 7/6 – 7 years; for the 10/6 – 10 years) and adjust to a six-month ARM after that period. The interest rate and monthly payment may adjust every six months based on the 30-day average of the Secured Overnight Financing Rate (“SOFR”) (the index) plus a margin of 2.75 percentage points with a 5% initial change cap (2% for the 5/6 ARM), a 1% subsequent change cap, and a 5% lifetime change cap. For example, a 7/6 ARM Payment for a $100,000 80% LTV loan with a 6.625% rate and 7.464% Annual Percentage Rate (APR), based on the current market condition, the payment schedule would be: 84 payments of $640 at an interest rate of 6.625% and 276 payments at $724 at an interest rate of 8.080%.

*Mortgage Terms and Conditions:

Mortgages available only for the following owner-occupied properties: single family residences, qualified condominiums or multi-family structures with no more than four units and up to 80% LTV. Mortgages with down payments as low as 5% (up to 95% LTV) are available only for the following owner-occupied properties: single family homes and multi-family structures up to 2 units and will require private mortgage insurance (PMI). Subject to approval of application. Monthly payment amount does not include any property taxes, and/or insurance premiums; the actual payment will be greater when such items are included. Mortgages available only to members and only in designated geographic locations. All Selfreliance FCU loan programs, rates, terms and conditions are subject to change at any time without notice. Not all applicants will qualify for the lowest Annual Percentage Rates (APR) shown. Annual Percentage Rate (APR) is based on an assessment of individual creditworthiness, occupancy and/or property type, and our underwriting standards.

Jumbo Mortgage
Higher loan limits available in High-Cost areas. Jumbo loan rates apply for higher loan limits.

Loan Limits:

Units Limit
One $726,200
Two $929,850
Three $1,123,900
Four $1,396,800

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