Mortgage Refinance
Love your home but not your mortgage? We can help.
Apply online and get approved in just days.
Low Rates | Low Closing Costs | Fast Approval
Consolidate multiple payments or cut your term down to 20 years or less.
Design a Refinance Plan That Works for You
If getting to the end of your loan sooner is a goal, our Rapid Refi Mortgage can help. We offer terms of 20 years or less, so you’ll be mortgage-free in no time. And with no closing costs in most cases, you won’t be adding more debt to your home either. Need a longer term? Go through our partner, Centennial Lending.
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Low costs and quick approval
Our online application is short and simple and there are no closing costs in most cases. Get notified of approval in days instead of weeks.
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Convenient closings
No need to go to a fancy title company. Fill out most paperwork online and complete the process with a quick trip to our office.
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A finish line in site
Be mortgage-free, fast. Shorter loan terms help you get there sooner. Now, that’s something worth celebrating.
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APR is the Annual Percentage Rate (APR). Loan interest rates and terms provided are estimates. Best Rate may vary based on personal credit history, value of collateral, loan to value (LTV), terms, and other factors. Fitzsimons Credit Union provides details upon completion of a loan application. Rates are subject to change without notice. Fitzsimons Credit Union membership is required. Closing costs covered up to $1,500. Property insurance, flood insurance, and/or appraisal may be required. Appraisal fees to be paid by the borrower and reimbursed at closing. FFCU does not offer escrow accounts to pay taxes and/or insurance. Collateral must be located in Colorado and must be borrower’s primary residence. Rapid Refi Payment example: monthly payment for a $200,000 loan at 4.49% APR for a 240-month term = 1,266.68
Rates
| Easy Equity Loan* | |
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5 Years (Score 800+) Term 60 mos. Combined Loan-to-Value (CLTV) 80% |
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10 Years (Score 800+) Term 120 mos. Combined Loan-to-Value (CLTV) 80% |
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15 Years (Score 800+) Term 180 mos. Combined Loan-to-Value (CLTV) 80% |
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| Rapid Refi Mortgage |
As low as |
| Home Equity Line of Credit** |
As low as |
| First Mortgages | Check current rates |
Rates effective as of: March 18, 2025
Disclosures
* Annual Percentage Rates listed above are the lowest rates available. Actual rates may be higher depending on a number of factors including borrower's credit history, collateral, and term of the loan. Payment example: 60 monthly payments of $19.33 per $1,000 borrowed based on a 5.99% rate. Terms offered may vary depending on dollar amount, length of loan, and type of collateral offered, if any. Rates and terms offered for loans secured by real estate are based on owner-occupancy. Higher rates and/or restrictions apply for non-owner occupied property.
**Variable Rate. HELOC rate based on Wall Street Journal Prime Rate, plus or minus a margin (currently -1.00% to +4.00%) . Floor rate is 3.50% and ceiling is 18.00% APR. Home Equity Line of Credit Payment Example: Loan of $50,000 at 6.00% APR will have a monthly payment of 500 during the draw period and a monthly payment of $555.18 during the repayment period. Property and/or flood insurance may be required.
For information on any of our loan products, contact a Financial Consultant at (303) 340-3343 or 1 (800) 933-5839, or via e-mail at info@FitzsimonsCU.com.
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