Mortgage
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You'll be saying 'WOW' with our Rate Buy-Down Mortgage!

Introducing our Mortgage Rate Buy-Down Promotion! Take advantage of our spectacular 2% discount* off the 30-year published rate for the first two years on your mortgage or refinance.

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Buy Your Dream Home or Refinance and Save BIG with our Rate Buy-Down Mortgage

In this high-rate environment, we are here to help our Valued Relationships Members with our limited time offer of 2% off the published 30-year rate for the first two years when you lock-in with no added fees! Calculate how much you can save. Learn more!

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Streamlined Mortgage Process

We make it easy, starting from pre-approval all the way to closing.
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Stay Competitive

With a lower rate you may be able to afford more home, making you more competitive in this market. In addition, there are no added fees to take advantage of this promotion.
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Expert Advice

Enjoy a stress-free experience with the help of a personal mortgage loan advisor! We will help you decide on the best mortgage option for you!

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Affordable Mortgage Rates | Refinance Rates

*Mortgage approvals may be based on credit, LTV and loan purpose. The first two years modified rate applies only to a 30-year mortgage purchase or refinance and not all loans that are submitted to Finex may qualify. Promotional discount is tied to members who have been in good standing for 90 days and a relationship account which we define as Cashback, Cashback Plus, or High-Rate Checking account holders plus $1,000 minimum direct deposit/month. FHA, VA, USDA and JUMBO loans are excluded from the promotion. The rate modification is based off the listed 30-year rate on the day the rate lock occurs and has a floor of 4.00%. Once rate is locked, the rate modification for years 1 & 2 is final regardless of rates dropping or increasing. Contract must be received to lock the rate discount.  Offer valid on mortgage amounts greater than $125,000. Offer not to be combined with any other credit union offers. Must be approved by 10/31/24.Certain restrictions and conditions apply.

1 APR = Annual Percentage Rate. The displayed APR represents the lowest possible rates available. Rates are based on credit history and are subject to change without notice.

2 Conforming jumbo rates available for loans that exceed conforming limits and are for amounts up to $1,089,300 depending on property location.

 

Rates as of December 20, 2024
Term
Rate
Points
APR1
Term
Rate Buy-Down Mortgage
Rate
4.875%
Points
0
APR1
5.00%
Term
30 Year Fixed
Rate
6.875%
Points
0
APR1
7.00%
Term
15 Year Fixed
Rate
6.50%
Points
0
APR1
6.70%
Term
FHA, CHFA, VA and USDA
Rate
Market rates
Points
APR1

*Mortgage approvals may be based on credit, LTV and loan purpose. The first two years modified rate applies only to a 30-year mortgage purchase or refinance and not all loans that are submitted to Finex may qualify. Promotional discount is tied to members who have been in good standing for 90 days and a relationship account which we define as Cashback, Cashback Plus, or High-Rate Checking account holders plus $1,000 minimum direct deposit/month. FHA, VA, USDA and JUMBO loans are excluded from the promotion. The rate modification is based off the listed 30-year rate on the day the rate lock occurs and has a floor of 4.00%. Once rate is locked, the rate modification for years 1 & 2 is final regardless of rates dropping or increasing. Contract must be received to lock the rate discount.  Offer valid on mortgage amounts greater than $125,000. Offer not to be combined with any other credit union offers. Must be approved by 10/31/24.Certain restrictions and conditions apply.

1 APR = Annual Percentage Rate. The displayed APR represents the lowest possible rates available. Rates are based on credit history and are subject to change without notice.

2 Conforming jumbo rates available for loans that exceed conforming limits and are for amounts up to $1,089,300 depending on property location.

 

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How Much Could You Save?

Mortgage Calculator

Explore how our affordable Rate Mortgage Buy-Down Promotion can help you in this unique rate environment! 
Your actual term and payment will be provided upon acceptance of a Finex Credit Union Mortgage. This calculator is for informational purposes only and its use does not guarantee an extension of credit.
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Mortgage Markets CUSO LLC (credit union service organization) operates for the benefit of credit unions and credit union members offering Conventional, FHA, VA, USDA and jumbo mortgage products. By collaborating with other credit unions in a cooperative effort, Mortgage Markets CUSO LLC has developed leading edge technology, mortgage expertise, local underwriting and excellent personal service.  Not all products and options are available in all states. NMLS #157939. Finex Credit Union NMLS# 645503